Self Credit Builder Loan

Self Financial offers credit-builder loans where you pay into a CD that builds your credit history, then get the money back minus interest and fees.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ No credit check or minimum score — truly open access ✓ Accepts ITIN ✓ Reports to all three credit bureaus monthly
Representative APR Amount Term Type
15.92% $520–$3.6k 12–24 mo personal
Best For

Immigrants who need to establish a US credit history from scratch before applying for traditional loans or credit cards

Pros & Cons

Pros
  1. ✓ No credit check or minimum score — truly open access
  2. ✓ Accepts ITIN
  3. ✓ Reports to all three credit bureaus monthly
  4. ✓ Get your money back at the end (minus interest/fees)
  5. ✓ Can unlock Self Visa credit card after 3 months
  6. ✓ 4.9 stars from 278K App Store reviews
Cons
  1. ✗ Not a traditional loan — you don't get funds upfront
  2. ✗ Small amounts ($520-$3,600)
  3. ✗ You're essentially saving, not borrowing
  4. ✗ Interest and fees reduce what you get back
  5. ✗ Won't help with immediate cash needs

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