Yes, Self is legitimate; it is not a scam. 

Self Financial, Inc. is a venture-backed financial technology company based in Austin, Texas. We are accredited by the Better Business Bureau (BBB), are members of the Independent Community Bankers of America (ICBA) and have been featured in Forbes, the New York Times, Wall Street Journal, the Los Angeles Times, Fox News, and other major media outlets. 

Our banking partners include Sunrise Banks, N.A., Lead Bank and Atlantic Capital Bank, N.A.

For decades, credit builder loans were only available in some geographical areas at some community-based organizations, credit unions and community banks. Self is the first company to launch a nationwide, online Credit Builder Account. 

Follow this link to learn more about Self investors.