Self Lender offers a Credit Builder Account that helps you build credit and savings by making monthly payments. Typically, you pay about $35 a month for 24 months as part of this subscription-like plan. They also offer a secured Self Visa Credit Card, which requires no credit check and helps increase your spending power. If you see a bill from Self Lender, it's likely from these monthly payments for the credit-building services they provide.
Canceling a Self Lender subscription can be done quickly through the app or website by navigating to the subscription cancellation option, or by calling customer service. The process is straightforward without long-term commitments or penalties, but some users might need to provide verification or navigate phone prompts which adds minor difficulty.
Estimated Time
On average, it takes 15 minutes0015 minutes to cancel a Self Lender subscription.
How to Cancel Self Lender: Step by Step
If you purchased through Self Lender:
Log into your Self Account Portal.
Follow the relevant instructions to terminate your account.
If you prefer to speak to someone, call 877-883-0999 and follow the prompts.
Alternatively, notify Self in writing by sending your request to:
901 E 6th Street, Suite 400, Austin, TX 78702
Include your name, date of birth, and email address associated with your account.
If you have multiple accounts, ensure to close each one separately to fully terminate your relationship with Self.
Note: Simply removing the app will not cancel your account or delete your data.
How to Contact Self Lender
If you need assistance, here's how you can get in touch with Self Lender's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
$800
$600
$400
$200
$0
Years
Tips and Tricks for Getting a Self Lender Refund
Call early in the week and early in the day when customer service is less busy and more likely to be helpful.
Be polite but firm; state clearly that you want to close your account and expect confirmation.
Use language such as "I need to close my account due to financial hardship" to elicit empathy and avoid resistance.
Ask to speak to a manager immediately if the first representative is not helpful.
Reference your desire to avoid negative credit impact to encourage positive handling.
Mention that you've reviewed your contract and expect the refund minus interest as previously seen in other user experiences.
Keep records of all communication, including dates and names of representatives for escalation if needed.
If escalation is needed, mention you will file a complaint with the Consumer Financial Protection Bureau (CFPB).
Timing your cancellation around mid-payment cycle has been reported to help (e.g., around 50% payment completion).
Some users have reported early cancellation with partial payment made led to positive closure with minimal fees, so inquire about payoff options.
Check if you can use the Self app to see payoff amounts and request formal payoff to close account faster.
Why Do People Request Refunds from Self Lender
Account closures without authorization resulting in loss of funds.
No refunds or delayed payouts after account closure or loan payoff.
Poor or unavailable customer service making it difficult to resolve issues or get cancellations processed.
Negative impact on credit scores from missed payments or account closures.
Refusal to assist with payment issues or account closures.
High fees and charges that customers feel are excessive.
Payments not reflecting toward credit building as expected.
Manipulative communication and refusal to escalate complaints.
Failure to return deposits or refunds after loan completion or cancellation.
Serious financial consequences such as credit damage impacting life opportunities (e.g., home purchase, housing).
Accusations of scam and predatory practices due to poor service and refund issues.
Self Lender Refund Script
Script
Copy
Dear Self Lender, Support, I hope this message finds you well. I am writing to request a refund due to a billing issue that arose recently. I noticed an accidental charge on my account that I do not recognize, and I believe it may have been a mistake. I would greatly appreciate your assistance in processing this refund at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Best regards,
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Self Lender Refund Policy
Self Lender allows you to cancel your Credit Builder Account at any time by calling their customer support at 877-883-0999 and choosing the appropriate option. The account will close at 11 PM CST on the same day without an early cancellation fee. However, paying off your loan early will result in less payment history being reported to credit bureaus, which could impact your credit score buildup.
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The Easiest Way to Get a Self Lender Refund
If you’re frustrated trying to cancel your subscription, membership, or bill from Self Lender—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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Frequently Asked Questions
Self Lender allows you to cancel your membership or subscription at any time by following cancellation instructions online, calling their support number, or notifying them in writing. However, be aware that unpaid fees may cause your account to be marked delinquent and services may be suspended or closed if payments are not made. There are no explicit contracts, lock-ins, or early cancellation fees, but stopping payments does lead to service discontinuation and possible credit reporting consequences.
Account closures without authorization resulting in loss of funds.
No refunds or delayed payouts after account closure or loan payoff.
Poor or unavailable customer service making it difficult to resolve issues or get cancellations processed.
Negative impact on credit scores from missed payments or account closures.
Refusal to assist with payment issues or account closures.
High fees and charges that customers feel are excessive.
Payments not reflecting toward credit building as expected.
Manipulative communication and refusal to escalate complaints.
Failure to return deposits or refunds after loan completion or cancellation.
Serious financial consequences such as credit damage impacting life opportunities (e.g., home purchase, housing).
Accusations of scam and predatory practices due to poor service and refund issues.
Account number or Self Lender account details
Phone number associated with your Self Account
Full name as it appears on the account
Identification information (such as Social Security Number or date of birth) for identity verification
Email address linked to your Self Lender account
Reason for cancellation (may be required in some cases)
Before canceling your Self Lender Credit Builder account, know that there is no penalty for canceling or paying off the loan early. Once the loan is paid off or canceled, any money you have paid will be refunded to you, minus unpaid fees and interest, typically within 10-14 days. However, the loan account will close, meaning you will lose the opportunity to continue building credit through timely payments. Additionally, your repayment history remains on your credit reports, but no new positive payment data will be reported after cancellation. It's important to keep making minimum payments on time until the loan is fully paid to avoid negative credit impacts.
Self Lender allows you to cancel your Credit Builder Account at any time by calling their customer support at 877-883-0999 and choosing the appropriate option. The account will close at 11 PM CST on the same day without an early cancellation fee. However, paying off your loan early will result in less payment history being reported to credit bureaus, which could impact your credit score buildup.
To cancel your Self Lender (selflender.com) subscription, you generally need to verify your identity and account information when you call their automated phone system at 877-883-0999 and choose option 1. If you call from a number not on file, identity verification is required before cancellation options are provided. There is no direct mention of password being needed to cancel via phone, but having access to your account information is essential. If you need to reset your password for logging into the app or website, you can do so here: https://self.inc/password/reset
We've actually written a step by step guide on how to get a refund from Self Lender. Check it out!
The cancellation process typically takes about 15 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Self Lender subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Self Lender account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Self Lender online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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