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.

	CheeseKikoffExtra
	Learn More	Visit 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
Credit Building Tools
Credit Bureaus Reporting
Fees
Mobile App
Pros & Cons	Pros: 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 Line	Simple credit builder with minimal fees and charges... Read full review	Flexible credit builder that can turn expensive with fees... Read full review
	Learn More	Visit 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.

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.

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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.

• Cheese vs Kikoff

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.

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