Save money and be informed. CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Cheese vs Self

Cheese is a simple credit builder with minimal fees and charges. How does it compare to Self? Read our comparison chart below.

 Self
 Learn MoreVisit Site
 

Cheese

Self

SPECIAL OFFER
Build Your Credit Now - Learn More

Read Cheese Review

SPECIAL OFFER
Apply for a Credit Builder Account at Self - Learn More

Read Self Review

 

Benefits and Features

Credit Building Tools
Credit Builder Loan
  • Credit Builder Loan
  • Self Secured Visa® Credit Card
  • Rent and Bills Reporting
Credit Bureaus Reporting
3 Main Credit Bureaus
  • Credit Builder Loan, Credit Card, and Rent Reporting: 3 Main Credit Bureaus
  • Bills Payment Reporting: TransUnion
Fees
$0
  • Rent Reporting: Free
  • Bills Payment Reporting: $6.95/month
Monthly Loan Payment
Starts at $24/month
Starts at $25/month.
Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
Loan Term
12 - 24 months
24 months
APR
5% - 16% (varies by state)
15.92% APR for $25/mo plan;
15.69% APR for $35/mo plan;
15.51% APR for $48/mo plan;
15.82% APR for $150/mo plan
Mobile App
Yes
Yes
 

CreditDonkey® Reviews

 Self
Credit Building ToolsStarStarStarStarStarStarStarStarStarStar
Credit Bureaus ReportingStarStarStarStarStarStarStarStarStarStar
FeesStarStarStarStarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
Mobile AppStarStarStarStarStarStarStarStarStarStar
Pros & ConsPros:
  • Reports to 3 credit bureaus
  • 12/24 months term
  • Get your money back
Cons:
  • VantageScore only
  • Not available in all states
Pros:
  • No hard credit check
  • Available in all 50 states
  • Get your money back (minus interest and fees)
  • Cancel anytime
Cons:
  • High APRs
  • Charges late fees, convenience fees, and closing fees
Bottom LineSimple credit builder with minimal fees and charges... Read full reviewFlexible credit builder that can turn expensive with fees... Read full review
 Learn MoreVisit Site

Build Your Credit Now

Apply for a Credit Builder Account at Self

Self: Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Self Secured Visa® Credit Card issued by Lead Bank or SouthState Bank, N.A., each Member FDIC. See self.inc for details.

Self

Apply for a Credit Builder Account at Self

  • Get the Credit Builder Account that helps build credit today!
  • Choose the plan that fits within your budget
  • Monthly payments are reported to the three major credit bureaus.
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

Which is Better: Cheese or Self?

Still need help deciding which credit is better? Read the in-depth reviews below. You may also be interested in comparing Cheese or Kovo.

In short: Cheese's fees is notable.


Articles on Cheese

Cheese Credit Builder

Cheese lets you build credit and savings at the same time. It's also one of the most affordable credit builders, but what's the catch? Read on to find out.

Articles on Self

Self App Review

Wondering about Self's credit-building claims? Discover in-depth information in this review and decide if it's legit.

Which Do You Think is Best?





You Might Also Like

DCU Credit Builder Loan Review

DCU Credit Builder Loan Review

DCU's Credit Builder Loan aims to give your credit a boost in just 12 to 24 months. But does this member-only service deliver? Read on to find out.
Kikoff Review
Kikoff

Kikoff Review

Kikoff offers an affordable credit line, which can help you build your credit. But what's the catch? Read on to find out.
9 Best Credit Builder Loans to Improve Your Score

9 Best Credit Builder Loans to Improve Your Score

Looking to boost your credit score and build thousands of dollars in savings — all with no credit check? Review this list of the 9 best credit builder loans.

About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2024 CreditDonkey Inc. All Rights Reserved.