About Self Financial
We're here to help you build credit and savings and reach your financial goals.
It all started with some missed payments.
Self began in 2015 after a mistake with Founder James Garvey’s credit card that tanked his credit score. Looking for a way to rebuild his credit, James saw the challenges faced by millions of Americans with low or no credit.
Traditionally, to get credit, you needed credit. It’s a catch-22, and the system was set up against many of us. So Self created tools that work regardless of credit history or bank balance.
Today, Self continues to innovate — making credit building more accessible for everyone.
4 Million Builders served, and counting.
Better credit can open the door to achieving other goals. So whether you're simply a Credit Builder, or you’re set on becoming a Home Builder, a Car Builder, or a Life Builder, Self is here to help you make it possible.
Our mission
We believe everyone should have the ability to improve their financial future.
We exist to enable people to build credit, build savings, and reach their goals.
Our core values
Be Your Authentic Self
We value who you are and the path you've taken to get here.
We value diversity and diverse perspectives.
We treat people with respect for who they are.
We're Better Together
Collaborate to meet our goals.
Getting it right is better than being right.
Assume positive intent.
Be humble and kind.
Work hard and have fun.
Own and Deliver
Each of us is responsible for our words, our actions, and our results.
See it through.
Think of tomorrow, today.
Do the Right Thing
Our business is complex; take the time to know the rules and live them.
Speak up: see it, say it.
Lead by example.
Builders First
We create products that support our customers in achieving their long term financial goals.
We provide customer service with empathy and respect.
Transparency Matters
We maintain clear and open lines of communication.
Mistakes happen; what matters is how we respond to them.
United States
