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.
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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
5 minutes
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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.
Tips & Tricks for Canceling Self Lender
- 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.
Self Lender Customer Service Info
If you need assistance, here's how you can get in touch with Self Lender's support team.
Cancel Self Lender Script
Script
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Dear Self Lender Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Self Lender. Due to changes in my financial situation, I am unable to continue with the service at this time.
I appreciate the assistance and opportunities your platform has provided me, and I hope to possibly return in the future when my circumstances allow.
Thank you for your understanding.
Best regards,
Frequently Asked Questions
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
- 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 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.
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.
- 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)
We've actually written a step by step guide on how to get a refund from Self Lender. Check it out!
The Easiest Way to Cancel Self Lender
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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SELF FINANCIAL INC., SELF LENDER INC, PAYMENTS
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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