Self Financial, Inc. Reviews 1,890

TrustScore 4 out of 5

4.2

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers are really happy with the service, finding it a great tool for building credit and managing finances. Many people appreciate the ease of use and the positive impact it has had on their credit scores, often exceeding expectations. The app is frequently praised for being simple, easy to navigate, and helpful for money management. However, some customers have expressed dissatisfaction with payment processing, citing issues with payments not going through correctly or being charged for services they unsubscribed from. There are also mentions of frustrating experiences with customer service, including difficulties reaching support, slow responses, and problems resolving certain inquiries.

What people talk about most

Payment

Customers had ambiguous experiences with payment. While some reviewers found it easy to pay into their... See more

User experience

Reviewers highlight positive aspects of user experience, frequently praising the app's ease of use and... See more

Service

Consumers find service to be ambiguous, with some praising it as a great and reliable service that helps... See more

Application

Users describe positive interactions with the app, often highlighting its ease of use and convenience. Many... See more

Customer service

Reviewers mention ambiguous feedback about customer service. Many customers report extremely negative... See more

Based on these reviews

Rated 4 out of 5 stars

I love self very much it has been so extremely helpful with getting my credit from a zero to where I’m at now with a 680 or something! Only issue I have had recently is someone stole my card and made... See more

Rated 4 out of 5 stars

I love this account and the concept of it. It works great, and easy to stay on top of. Here recently my payments are going through properly. Im not sure whats causing this, and I know there is money... See more

Rated 4 out of 5 stars

So far so good when I had to take my money out is it gonna charge me for taking my money out if it does this app sucks but if it does not then this app is good

Rated 5 out of 5 stars

I’ve used Self Lender several times to build and rebuild my credit, and it has truly made a difference. Every time I complete an account, they offer me higher credit limits, which is an amazing way to... See more

Rated 5 out of 5 stars

Because self visa credit cards gave me a great chance at building excellent credit, so long as I follow the rules like spend 30% of whatever the balanced, show one total amount. The real music is I s... See more

Rated 1 out of 5 stars

Payout credit builder then they went and closed Self Card talking bout suspicious activity mind you already paid off 5 other accounts before. Now payouts under review, if it’s placed in a CD what’s th... See more

Rated 5 out of 5 stars

Good low cost way to build credit. It suggests several methods to build credit and has increased my credit score. I am pleased and do recommend. People complain about customer service but I honestly... See more

Rated 5 out of 5 stars

The company help me keep my spending below 30 percentage. They always remind you that you bill is do before hand. You can pay before your due date. They constantly provide me with feed back... See more

Rated 5 out of 5 stars

A genuine lifesaver for rebuilding my credit. I’ve been using this service for the past two years to help boost my credit score, and honestly? It’s been a lifesaver. My credit situation was rough,... See more

Rated 5 out of 5 stars

It has been so far a great experience. I enjoy using the app it's simple and easy to use. Keeps me up to date about my credit limits and scores overall a excellent company to use in helping building... See more

Rated 5 out of 5 stars

Great opportunity to build your credit ! Self gives you many options to do it ! Deposit a specific amount either in your debt card or credit builder account and watch everything grow !!

Rated 5 out of 5 stars

30 years old and no credit history.. I thought that was a good thing. But after being rejected from multiple purchases, loans and rates that would've given me a leg up in life, left me feeling rejecte... See more

Rated 5 out of 5 stars

My experience with self is awesome. It's helping me with building my credit up and very useful tools to help if any issues. Highly recommend to others. Thanks self financial inc.

Rated 5 out of 5 stars

Great financial insights, goal setting and system to work with is easy to learn. I would like to see this app grow, as it's very useful and helpful to me with money management.

Rated 5 out of 5 stars

I started with this company to help build up my credit again and ending up enjoying the company as a bona fide credit agency. I would recommend this company to anyone regardless of credit rating. Than... See more

Rated 1 out of 5 stars

They took my money without issue on their credit builder program. Then they said the deposit "failed" and that the check they mailed me never reached me. Still have the same account to this day. Then,... See more

Rated 1 out of 5 stars

Worse company I’ve dealt with. Credit Builder takes forever to cash out, secure card has way to many fees, no support, straight ghetto. Do yourself a favor and just get a real secure card with an act... See more

Rated 5 out of 5 stars

Excellent company. It's helped me raise my credit score for that I'm grateful. I don't like the interest with the new company. But I get it. I'm a American that has to rely on credit. My husband lost... See more

Rated 5 out of 5 stars

I have only been using this company for a few months and my credit score has gone up 25 points. Plus you can link your bank up to it so there's no service charges and you get to build your credit addi... See more

Rated 5 out of 5 stars

They do exactly what they say build your credit cause my credit has improved so much and a big help came from Self so thank you

Rated 5 out of 5 stars

The service that Self provides has always been great! The app is easy to navigate and operate. I'm glad I came across it when I did! It's been a serious help with getting my credit score up.

Rated 5 out of 5 stars

My experience with this credit line has been very positive. The application process was quick, the communication has been clear, and managing my account through the app is easy. I appreciate the fair... See more

Rated 5 out of 5 stars

They helping me get my credit in order. They helping me build trust, they helping me to move forward and getting my credit straight and also savings a little.

Rated 5 out of 5 stars

This company is GREAT! It helped me establish a positive credit background while allowing me to save money at the same time.

Rated 5 out of 5 stars

Thank you self this card is wonderful. It builds your credit. I started about two years ago the first two weeks I grown my credit self is a great car to help. If you want to build your credit I recomm... See more

Rated 5 out of 5 stars

Have been using Self for about 3 years. Has been an incredible experience, easy to use, simple to follow. All around great

Rated 5 out of 5 stars

Everything has been so easy and my credit has gone up quite a bit just by following the outline of the program.

Rated 5 out of 5 stars

I love using Self. This has allowed me to save, build credit and raise my credit score. Using this tool was one of things that helped me purchase my home. My friend used this tool to help build and ra... See more

Rated 5 out of 5 stars

Opportunity to improve your credit with time and perseverance. You got to want this in f you are serious

Rated 5 out of 5 stars

My experience with self bank it s supporter to peoples feel confident to the help, provide for them, and make easy to building credit, and they approve it when we need some services

Rated 5 out of 5 stars

I love Self!!! Since I started it had a very low credit score but now low to wow in just a short time. Thanks for helping people like me get to better credit!!! Thank you

Rated 5 out of 5 stars

Great opportunity to build credit! 1. Fair terms and helpful resources 2. Credit limit increases 3. Reports to all 3 bureaus I recommend.

Rated 4 out of 5 stars

I have had Self for a year now and they have really helped me pull my credit score up. Been great! But, I didn't appreciate it when I moved and changed my address with the bank (thought... See more

Rated 5 out of 5 stars

I love that Self Financial is easy to use and it’s helping me raise my credit score ! Thankyou Self

Rated 1 out of 5 stars

Extremely disappointed with @SelfFinancial. I’ve spent over 90 minutes now being bounced in a transfer loop by customer service over a simple $2 transaction dispute. The cost of my time far exceeds th... See more

Rated 1 out of 5 stars

I had an issue with a service provider. I unsubscribed months ago but was still being charged on my self credit card. I asked self to block the merchant but they refused and supposedly did an investig... See more

Rated 4 out of 5 stars

Only 4 because every time I’m TRYING TO MAKE A FREAKING PAYMENT TO MY CARD IT DECLINES LIKE IM THE PROBLEM I HAVE MONEY PAY MY BALANCE NOT THE FULL BUT WHAT IM PAYING LIKE COME ON IM TRYING TO GET A C... See more

Rated 1 out of 5 stars

I was looking into cash option, and i had issues adding debit card . I called my bank and self. Self took over 15min to answer and when they did they basically said I would have to have a plan /accoun... See more

Rated 1 out of 5 stars

Just terrible. When you call their toll-free number you get disconnected. You cannot conduct business through the support application --- there is very little you can do through it, and it is not... See more

Rated 1 out of 5 stars

The customer service is not worth having the card. I report fraud.They never investigated nor cancelled card.Email provided to obtain a new card does not work as well. When I called to report fraud I... See more

Rated 1 out of 5 stars

Wasn't too bad in the beginning. Probably had self for well past a year. My card got locked for "suspicious" activity and was unable to clear the card. Had no late payments, was under the credit limit... See more

Rated 5 out of 5 stars

Self is a great service. For when you want to boost your credit. It's not for everyone. Only for those that's willing to invest.

Rated 1 out of 5 stars

Doesn't answer your question, your credit score doesn't update, Doesn't remove old debit or bank information. Customer service is very rude. Again credit score doesn't update after numerous on time pa... See more

Rated 3 out of 5 stars

I’ve loved this app soo much it helped me out but last October I had a payment due and I paid it on time but for some reason a few days later it returned my money back and it affected my credit score... See more


Company details

  1. Non-Bank Financial Service

Written by the company

4 Million Builders served, and counting. Self is a financial technology company with a mission to help people build credit, particularly those who are new to credit or who might not have access to traditional financial products.


Contact info

4.2

Great

TrustScore 4 out of 5

2K reviews

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Hasn’t replied to negative reviews

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Rated 2 out of 5 stars

In the beginning I had a really good…

In the beginning I had a really good relationship with self. However, I was not planning on staying with them foreve, and this is where the issues started. It was an issue when I finished the initial length of the plan. The credit card I acquired with them every time they increased the limit they wanted to increase length of the plan. Then I had all my bills being reported to the credit bureau’s for an additional fee but the weren’t being reported. So I stopped that service and only had the free service which only reports your rent. Now they are using the excuse my bank isn’t linked. I plan on keeping the card with a zero balance and not using it anymore. THE MORAL OF THE STORY IS. AS LONG AS YOUR PAYING THEM YOUR GOOD. TRY TO LEAVE THEM AND THEY BECOME EXTREMELY RUDE AND LIARS.

16 March 2026
Unprompted review
Rated 1 out of 5 stars

Refuses to help with Fraudulent Charges

I've been with Self for a long time. They helped me get my credit started. Nowadays, they went drastically down hill. I have been trying to dispute a fraudulent charge on my account for weeks now, and they just tell me "No, it's not". They say they investigated but they clearly didn't. I contacted the seller myself and they pointed me towards contacting my credit card provider. And this is a charge of $63, roughly.

To kick it off even more, they have AI Customer Service people. Not all of them, but you run the risk of being aided by AI.

I'm not playing this game. Get your act together.

11 March 2026
Unprompted review
Rated 5 out of 5 stars

I never need another! SELF!

I love myself! My self card is my personal massager, it pleases me, I feel like a natural woman. And, it may help with FAFSA and achieve a student loan! Pleased and Satisfied! I never need another! SELF!

8 March 2026
Unprompted review
Rated 1 out of 5 stars

Wasn't too bad in the beginning

Wasn't too bad in the beginning. Probably had self for well past a year. My card got locked for "suspicious" activity and was unable to clear the card. Had no late payments, was under the credit limit, and have made the payment for that month early... Tried to reach chat and was disconnected probably 10-15 times, each time starting a new conversation. Finally got an email sent to verify everything only to be slapped in the face with, "don't reply to this email." Even after being told to reply to that email. Fees are insane, credit hasnt gone up in the months having it. $925 in deposits and only getting back $700 is kinda ridiculous. Finding a much better company for credit building needs.

7 March 2026
Unprompted review

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