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†

Kovo vs Self

Kovo is a simple credit builder that gives you access to digital courses. How does it compare to Self? Read our comparison chart below.

Kovo provides access to online courses for $10/month. It helps build credit by reporting the monthly payments to the credit bureaus. The main downside is the 24-month lock-in period.

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.

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

 KovoSelf
 Visit SiteVisit Site
 

Kovo

Self

SPECIAL OFFER
Build Credit & Earn Rewards - Learn More

Read Kovo Review

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

Read Self Review

 

Benefits and Features

Credit Building Tools
Payment Reporting
  • Credit Builder Loan
  • Self Secured Visa┬« Credit Card
  • Rent and Bills Reporting
Credit Bureaus Reporting3 Main Credit Bureaus and Innovis
  • Credit Builder Loan, Credit Card, and Rent Reporting: 3 Main Credit Bureaus
  • Bills Payment Reporting: TransUnion
Fees
$10/month (for 24 months)
  • Credit Builder Loan: $9 one-time administrative fee
  • Rent Reporting: Free
  • Bills Payment Reporting: $6.95/month
Mobile App
No
Yes
 

CreditDonkey® Reviews

 KovoSelf
Credit Building ToolsStarStarStarStarStarStarStarStarStarStar
Credit Bureaus ReportingStarStarStarStarStarStarStarStarStarStar
FeesStarStarStarStarHalf StarStarStarEmpty StarEmpty StarEmpty Star
Mobile AppEmpty StarEmpty StarEmpty StarEmpty StarEmpty StarStarStarStarStarStar
Pros & ConsPros:
  • $10/month only
  • Easy to apply
  • Earn rewards
Cons:
  • 24 months lock-in
  • Courses may have little value to you
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 that gives you access to digital courses... Read full reviewFlexible credit builder that can turn expensive with fees... Read full review
 Visit SiteVisit Site

Build Credit & Earn Rewards

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.

Kovo

Build Credit & Earn Rewards

  • No credit check
  • Instant approval
  • 0% APR / $0 fees
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: Kovo or Self?

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

In short: Kovo's fees is notable. Self's mobile app is excellent.


Articles on Kovo

Kovo Credit Builder Review

Kovo is a low-cost way to build credit and learn more skills online. Learn Kovo's features, value, and if it's the best credit builder for you.

Kovo vs Self vs Kikoff

Forget big credit repair companies. Kovo, Self or Kikoff may be your holy grail in building and improving your credit. But what's the catch?

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

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.
Cheese Credit Builder Review

Cheese Credit Builder Review

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.
Best Credit Builder Apps to Improve Your Score

Best Credit Builder Apps to Improve Your Score

Want to improve your credit score? Explore the best credit building apps to help you build excellent credit fast.

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.