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
Credit Builder

Self Credit Builder Loan

Self Financial

Updated 2 months ago
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APR 15.92%
Amount $520 – $3,600
Term 12–24 mo
Decision Same day

Our Take

Not a traditional loan — Self holds the funds in a CD while you make payments that get reported to all three credit bureaus. It's specifically designed for people building credit from zero, which is the exact situation most immigrants face upon arrival.

Best For

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

Requirements

  • SSN or ITIN accepted
  • No credit check required
  • No minimum credit score
  • Valid US address
  • Active bank account

About this option

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.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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