Self Credit Builder Loan
Self Credit Builder Loan: A credit-builder loan for establishing payment history while accumulating savings. Ranked #21 of 34 in Personal Loan Apps by our editors (5.4/10); pricing: From $25/mo; best for people building credit and savings.
At a glance
- Editor score5.4 / 10
- PricingFrom $25/mo
- Best forPeople building credit and savings
- Free planNo
- Paid from$25/mo
- Founded2015
- Facts checked28 Sep 2026
Where it wins
- Reports monthly payments to Equifax, Experian and TransUnion
- Four payment plans from $25 to $150 per month
- Savings payout at loan completion, minus interest and fees
Where it doesn't
- Not a general-purpose personal loan for flexible borrowing
- All plans carry monthly costs and APRs from 15.51% to 15.92%
- 24/7 support is not available
Our verdict on Self Credit Builder Loan
Self Credit Builder Loan is a secured installment loan for people building or rebuilding credit while setting aside savings. The borrowed funds remain in a bank Certificate of Deposit as customers make monthly payments, and payment activity is reported to Equifax, Experian and TransUnion. After the loan is completed, the accumulated funds are returned minus interest and fees. This structure suits individuals focused on establishing payment history rather than receiving cash for general spending.
Pricing is organized into four monthly plans. Small Builder costs $25 per month with a 15.92% APR, Medium Builder costs $35 with a 15.69% APR, Large Builder costs $48 with a 15.51% APR, and X-Large Builder costs $150 with a 15.82% APR. Customers can choose among multiple payment-plan options, use an early payoff option, and may become eligible for the Self Visa Credit Card after qualifying payments. The savings payout gives the loan a dual credit-building and savings purpose, but every option is paid and interest and fees reduce the amount returned.
Account management is available through the website and mobile apps for iOS and Android, with phone, chat and documentation support. The cloud and mobile setup fits solo users and small operations that want access across devices. Self should appeal to borrowers who value reporting to all three major bureaus and a structured savings outcome. Those seeking a conventional personal loan, flexible loan proceeds or round-the-clock support should consider another type of lending service instead.
Self Credit Builder Loan pricing
All 4 Self Credit Builder Loan plans and prices →
Self Credit Builder Loan fact sheet
| Free plan | No |
|---|---|
| Paid from | $25/mo |
| Loan amount range | Not verified |
| APR range | 15.51%-15.92% (sample products) |
| Origination fee | Not verified |
| Prequalification | Not verified |
| Loan purposes | credit building; savings |
| Mobile apps | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Phone, Live chat, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | From $25/mo (source) |
| Website | self.inc |
| Facts checked | 28 Sep 2026 |
Alternatives to Self Credit Builder Loan
- Nedbank Personal LoanA flexible Nedbank loan for South Africans consolidating debt or funding major expenses.9.0
- Capitec Personal LoanA flexible consolidation loan with broad terms, but rates and fees can reduce value.8.6
- Kotak811 Personal LoanApp-based borrowing with fixed EMIs and repayment terms up to six years.7.8
See all Self Credit Builder Loan alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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