# Self Financial

Self Financial is an Asset Manager based in Austin, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Austin, United States
- **Region:** North America
- **Address:** Austin, TX, United States
- **Founded:** 2015
- **Assets under management:** Undisclosed
- **Website:** www.self.inc
- **LinkedIn:** https://www.linkedin.com/company/self-lender

## Regulatory record

- **Reports private funds:** No

## About

Build credit and savings with Self. The Credit Builder Account and Self Visa® Credit Card help you establish payment history. Access cash fast with Self Cash.

## Sectors

- FinTech
- Consumer Finance

## People

- James Garvey — Founder

## Questions

### How does Self Financial's Credit Builder Account actually work?

Users choose a payment term and monthly amount. Self issues a loan held in an FDIC-insured certificate of deposit at a partner bank. The user makes monthly payments; Self reports each on-time payment to Equifax, Experian, and TransUnion. At the end of the term, the CD matures, fees are subtracted, and the remaining principal is returned to the user — effectively building a small forced-savings pool alongside credit history.

### Does Self Financial participate in fund commitments or direct company investments?

No. Self is an operating consumer-finance company, not an institutional allocator or family office. It does not deploy capital into external funds, direct private investments, or co-investment vehicles. Its product is its own consumer credit and savings platform.

### Is Self Financial a bank?

No. Self is a fintech company that partners with a chartered, FDIC-insured bank to hold customer deposits and issue its Visa card. Self itself does not hold a bank charter, which allows it to operate with a lighter regulatory footprint while leaning on its banking partner for custody, compliance, and deposit insurance.

### What happens to customer savings if Self Financial fails?

All Credit Builder Account funds are held in FDIC-insured certificates of deposit at Self's partner bank, not on Self's corporate balance sheet. In the event of a Self corporate failure, the CDs remain in the customer's name at the issuing bank and are protected up to standard FDIC limits.

### Who are Self Financial's known venture investors?

Self has raised capital from venture firms including Altos Ventures, Silverton Partners, and Meritech Capital. The company does not publicly report its total funding raised or current valuation, and it has not disclosed a specific capital deployment figure.

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Last updated: 2026-06-03T20:00:00.000Z

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