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Kikoff vs Self

Kikoff is a low-cost credit builder that packs in extra features for credit building. How does it compare to Self? Read our comparison chart below.

Kikoff provides a $750 credit line you can use in Kikoff store for a monthly fee of $5. It can help build your credit by reducing credit utilization and reporting monthly payments to Equifax and Experian. Other services include credit builder loans, secured credit card, and rent reporting. Find out more

While Self offers credit builder loans. It reports your monthly payments to all 3 credit bureaus to help build your credit. At the end of the loan term, you get your money back (minus interest and fees). Self also offers a secured credit card, and rent and bills reporting. Find out more

Compare Kikoff with Self, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 KikoffSelf
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Kikoff

Self

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Benefits and Features

Credit Building Tools
  • Credit Account
  • Credit Builder Loan
  • Kikoff Secured Credit Card
  • Rent Reporting
  • Credit Builder Loan
  • Self Secured Visa┬« Credit Card
  • Rent and Bills Reporting
Credit Bureaus Reporting
  • Credit Account: Equifax and Experian
  • Credit Builder Loan: TransUnion and Equifax
  • Credit Card: 3 Main Credit Bureaus
  • Rent Reporting: Equifax
  • Credit Builder Loan, Credit Card, and Rent Reporting: 3 Main Credit Bureaus
  • Bills Payment Reporting: TransUnion
Fees
  • Credit Account: $5/month Credit Service Fee
  • Rent Reporting: Free
  • Credit Builder Loan: $9 one-time administrative fee
  • Rent Reporting: Free
  • Bills Payment Reporting: $6.95/month
Monthly Loan Payment
$10/month
Starts at $25/month. Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing
Loan Term
12 months
24 months
APR
0%
15.92% APR for $25/mo plan; 15.97% APR for $35/mo plan; 15.72% APR for $48/mo plan; 15.88% APR for $150/mo plan
Credit Limit
  • Credit Account: $750 (can be used at Kikoff Store only)
  • Secured Credit Card: $50 minimum
Credit Card: $100 Minimum
Mobile App
Yes
Yes
 

CreditDonkey® Reviews

 KikoffSelf
Credit Building ToolsStarStarStarStarStarStarStarStarStarStar
Credit Bureaus ReportingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
FeesStarStarStarStarHalf StarStarStarEmpty StarEmpty StarEmpty Star
Mobile AppStarStarStarStarStarStarStarStarStarStar
Pros & ConsPros:
  • Inexpensive way to build credit
  • Cancel anytime
  • No lock-in period
Cons:
  • Does not report to TransUnion
  • Kikoff Store items may not be valuable
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 LineLow-cost credit builder that packs in extra features for credit building... Read full reviewFlexible credit builder that can turn expensive with fees... Read full review
 Visit SiteVisit Site

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.

Kikoff

Credit Building Made Easy

  • No credit pull required
  • With 0% interest
  • Open your account in minutes
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: Kikoff or Self?

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

In short: Kikoff's fees is notable. Self's credit bureaus reporting is excellent.


Articles on 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.

Articles on Self

Self App Reviews

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?





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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.

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