Self operates as a dual-purpose financial application developed by Self Lender, Inc., combining credit-building mechanisms with emergency cash access. The platform positions itself in the fintech space as a solution for individuals excluded from traditional credit systems, offering a pathway to establish or rebuild credit history without requiring minimum credit scores for enrollment. The core functionality revolves around secured credit builder loans, where users select monthly payment plans (ranging from $25 to $150) that get deposited into a certificate of deposit. After completing the 12-24 month term, users receive the accumulated savings minus interest and fees, with payment history reported to all three major credit bureaus. The complementary Self Cash feature provides qualified users with advances up to $100 through a no-credit-check process, repayable through future installment payments. User experience centers on a streamlined iOS interface featuring payment tracking, credit score monitoring, and cash advance eligibility checks. The design emphasizes simplicity with clear progress indicators for loan terms and savings growth. Real-world usage patterns show most users engage weekly for payment management and monthly for credit score updates, with cash advances typically utilized for unexpected expenses between $50-$100. User feedback consistently highlights credit score improvements, with multiple reviewers reporting significant increases within short timeframes. ginaloveshonda (September 3, 2025) reported a jump from below 550 to 650 in four months, while Akjones1991 (August 31, 2025) achieved a 674 score from no credit history within one year. Scooby_doo3434 (September 3, 2025) noted combining Self with a secured credit card resulted in a 672 score within three months. The application demonstrates particular strength for credit building but carries limitations including mandatory fees (typically $9-15 monthly administration fee plus interest), limited cash advance amounts, and requirement of consistent payment commitment. Ideal for users with disciplined financial habits who need structured credit building, though the costs may outweigh benefits for those seeking only emergency cash access.