Self Financial, Inc.
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| Private | |
| Industry | Financial technology |
| Founded | 2015 |
| Founder | James Garvey |
| Headquarters | Austin, Texas, U.S. |
Key people | Julie Szudarek (CEO) |
| Products | Credit Builder Account, Secured Credit Card, Self Cash, Rent and Utility Reporting |
Number of employees | 278 |
| Website | self.inc |
Self Financial, Inc.(stylized Self; formerly Self Lender) is a financial technology company headquartered in Austin, Texas...[1]The company provides credit-building products, including credit builder loans, secured credit cards, and rent and utility reporting services, and also offers small-dollar, earned wage access cash advances. [2] The company partners with federally insured banks to originate its credit builder loans and cards.[3]
History
Self was founded in 2015 by entrepreneur James Garvey.[4] In August 2019, the company rebranded from Self Lender to Self Financial.[5] In February 2022, Self acquired RentTrack, Inc. and LevelCredit, expanding into rent and utility credit reporting [6].
Between 2016 and 2021, Self secured multiple funding rounds. The company raised $1.5 million in seed funding in 2016 led by Silverton Partners, followed by a $5 million Series A in 2018, $10 million in Series B in 2019 led by Altos Ventures[7], and $20 million in Series C funding in 2020 led by Altos Ventures and Conductive Ventures [8]. The company later raised $40 million in Series D funding in 2020 led by Meritech Capital[9]. In September 2021, Self raised $50 million in a Series E funding round led by Altos Ventures, bringing total funding to more than $127 million[10]. In October 2023, Self appointed Julie Szudarek as CEO, with founder James Garvey remaining on the board[11].
Products
Self offers several products for building credit and financial foundations.
- Credit Builder Account – an installment loan where payments are reported to credit bureaus while funds are held in a certificate of deposit until maturity[12].
- Self Visa® Secured Credit Card – a secured credit card that can be linked to funds saved in the Credit Builder Account[13].
- Rent and utility reporting – Self offers reporting of rent and bills to major credit bureaus[14].
- Self Cash – launched in 2025, a small-dollar cash advance product with no interest or fees for standard disbursements[15]
Sponsorships and Partnerships
Self is the Official Credit Building App of the San Antonio Spurs, entering its fourth season in 2025–2026[16]. Self also served as the jersey patch partner of the San Antonio Spurs for two seasons, beginning in 2022[17].Additionally, Self has partnered with the Moody Center in Austin as a sponsor[18]
References
- ↑ "Self Financial". forbes.com. Retrieved 14 October 2025.
- ↑ "Meeting customers where they are: Leadership insights from Self Financial's mission-driven growth strategy". Tearsheet. Retrieved 14 October 2025.
- ↑ "Revolutionizing Credit Building: How Self Financial is Leading the Way". sunrisebanks.com. 21 May 2024. Retrieved 14 October 2025.
- ↑ "Self Financial: How This Company Is Enabling Economic Inclusion And Financial Resilience". Pulse 2.0. Retrieved 14 October 2025.
- ↑ "Self Review: Credit-Builder Loans and Cards". smartasset.com. Retrieved 14 October 2025.
- ↑ "'The only app you need to build credit': What's behind Self's acquisition of RentTrack". Tearsheet. Retrieved 28 November 2025.
- ↑ "Self Lender raises $10m in Altos-led Series B round". Fintech Global. 19 November 2018. Retrieved 14 October 2025.
- ↑ "Self Financial lands $20M to help people build credit". Austin Business Journal. Retrieved 14 October 2025.
- ↑ "Credit Startup Raises $40M In Series D Round". Forbes. Retrieved 28 November 2025.
- ↑ "Self Financial raises $50M to help the subprime consumer build credit and savings at the same time". TechCrunch. Retrieved 14 October 2025.
- ↑ "Self Financial Hired A New CEO to Fuel Nationwide Growth". Built in Austin. Retrieved 14 October 2025.
- ↑ "Self Credit Builder Review 2025". Business Insider. Retrieved 15 October 2025.
- ↑ "The secured Self Visa® Credit Card review: A unique take to bolstering your credit profile". Bankrate. Retrieved 15 October 2025.
- ↑ "A Way for People With Low Credit Scores to Raise Them". The New York Times. 20 June 2025. Retrieved 15 October 2025.
- ↑ "Credit building fintech launches EWA product". American Banker. Retrieved 15 October 2025.
- ↑ "San Antonio Spurs Announce Promotional Schedule For 2025-26 Season". NBA. Retrieved 15 October 2025.
- ↑ "SAN ANTONIO SPURS ANNOUNCE SELF FINANCIAL AS THE NEW OFFICIAL JERSEY PATCH SPONSOR". NBA. Retrieved 15 October 2025.
- ↑ "Layoffs in startup land Austin pharma company lands $17M". Austin Inno. Retrieved 15 October 2025.
External links
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