Self Is For Building Credit 5.2.0

Welcome to Self, your comprehensive credit building toolkit. With the Self credit app, you'll find all the necessary tools to effectively build your credit. Whether you have a low credit score or no credit score at all, you can start your journey today. At Self, we welcome individuals of all credit scores.

Build Credit and Monitor Your Rent Payments

• Build credit with all 3 major credit bureaus — Equifax, Experian, and TransUnion
• Included with the Self app at no extra cost
• No credit score needed
• No hard pull inquiry
• Establish positive payment history — the most important factor in building credit
• Monitor your credit score with VantageScore 3.0

Grow Your Credit and Savings with the Credit Builder Account

• Choose from different plans starting at $25/month
• Unlock your savings at the end, minus interest and fees
• No credit score required
• No hard credit inquiry

Unlock the Credit Card for Credit Builders

• Work towards a secured Self Visa® Credit Card by opening a Credit Builder Account
• Control your credit limit
• Build credit with all 3 major credit bureaus
• Accepted wherever Visa is accepted in the US

Build Credit with Additional Payment Reporting

• Build credit by reporting your cell phone, water, electricity, and gas payments
• Add up to 5 payments to your credit each month
• Monthly cost of $6.95
• Cancel anytime

Take Your Credit Score to New Heights

Self customers who start with a credit score under 600 and make on-time payments see an average increase of 49 points in their credit scores.

Expand Your Credit Building Toolkit

With Self, you have the flexibility to choose your own path towards better credit. As you progress on your credit building journey, Self will notify you when new offers, products, and opportunities to save money become available.

Access the Self Visa® Credit Card

To be eligible for the Self Visa® Credit Card, you must have a Credit Builder Account in good standing, made 3 on-time payments, have saved $100 or more, and meet income requirements. Eligibility requirements are subject to change.

*For more information, visit https://www.ficoscore.com/education#WhatYour FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

†Credit scores will only be available to customers if our 3rd party vendor is able to validate them.

‡All Credit Builder Accounts are issued by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., or SouthState Bank, N.A. Members FDIC. Subject to ID verification, credit review, and approval. Applicants must be U.S. citizens, permanent residents, or non-resident U.S. aliens, at least 18 years old, and have a bank account.

§The minimum and maximum repayment period for all loan products is 24 months. The maximum annual percentage rate (APR) of all loan products is 15.97%. For example, a $520 loan with a $9 administration fee, 24-month term, and 15.92% APR would result in total payments of $600. Please refer to the pricing page in the Self mobile app or www.Self.inc for current pricing.

‖Minus fees and interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the due date may result in delinquent reporting to credit bureaus, which can negatively impact your credit score. This product does not remove negative credit history from your credit report.

¶The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. Please visit Self.inc for more details.

¹Average outcome for customers who opened a 12-month Credit Builder account in Q1 2021, starting with a VantageScore 3.0 under 600 and making on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments do not imply full program completion, and past performance based on this study does not guarantee future results. Credit score increase is not guaranteed.