# Self Financial

> Self Financial is an Austin-based consumer fintech that helps U.S. customers establish or rebuild credit through bank-issued credit-builder loans, secured cards, and rent and bill reporting. Its core distinction is combining installment-payment reporting with money set aside for a later payout, while offering a free path through rent reporting. It also offers eligible customers cash advances.

- **Founded:** 2015
- **Headquarters:** Austin, United States
- **Founders:** James Garvey (Co-founder; former CEO), Conor Swanson (Co-founder)
- **Products:** Credit Builder Account, Self Visa Credit Card, Rent and Bills Reporting, Self Plus Credit Card, Self Cash
- **Notable:** Reported more than 4 million people served by August 2025., Announced $127 million in cumulative equity funding with its September 2021 Series E., Acquired RentTrack and its LevelCredit consumer service in February 2022.

## Products & services

- **Credit Builder Account** — Bank-issued installment loan with proceeds held in a certificate of deposit; monthly payments are reported to all three major credit bureaus, with a final payout after interest and fees.
- **Self Visa Credit Card** — Secured card introduced in 2019; available without a Credit Builder Account since January 2025. Current public page lists a $100 minimum deposit, no hard inquiry, a $0 introductory first-year annual fee and $25 standard annual fee.
- **Rent and Bills Reporting** — Rent reporting to Experian, Equifax and TransUnion is free. Optional utility and phone reporting to TransUnion costs $6.95 monthly. Only positive payments are reported.
- **Self Plus Credit Card** — Unsecured card introduced in 2024 for eligible existing customers with an on-time payment history; availability and pricing depend on the offer.
- **Self Cash** — Launched August 2025. Current page offers eligible Self customers $25-$300 advances in select states, no interest or monthly charges, free standard delivery, and optional paid instant delivery; does not build credit.

## Achievements

- Reported more than 4 million people served by August 2025.
- Announced $127 million in cumulative equity funding with its September 2021 Series E.
- Acquired RentTrack and its LevelCredit consumer service in February 2022.
- Made rent reporting to all three major credit bureaus free in December 2023.

## Latest updates

- **2025-10** — Delaware announced results of its Self-supported rent-reporting pilot: an average 9-point credit-score increase across participants.
- **2025-08** — Self launched Self Cash, initially offering advances up to $100; the current product page lists up to $300 and requires a Self credit-building product.
- **2025-05** — Financial Health Network published an observational study of Self credit-builder and rent/bill reporting users.
- **2025-01** — Self made its $100-deposit secured Visa available without a prior Credit Builder Account.

## Links

- Website: https://www.self.inc/
- LinkedIn: https://www.linkedin.com/company/self-financial/
- Twitter/X: https://twitter.com/SelfCreditApp/
- YouTube: https://www.youtube.com/@selffinancial
- Instagram: https://www.instagram.com/SelfFinancial/
- Facebook: https://www.facebook.com/SelfFinancialInc/
- TikTok: https://www.tiktok.com/@selffinancial

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Profile page: https://yespress.io/self-financial
Published by YesPress — https://yespress.io
Last updated: 2026-10-25