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.

	Visit Site	Visit 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 Reporting	3 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)	Rent Reporting: Free Bills Payment Reporting: $6.95/month
Mobile App	No	Yes
	CreditDonkey® Reviews
Credit Building Tools
Credit Bureaus Reporting
Fees
Mobile App
Pros & Cons	Pros: $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 Line	Simple credit builder that gives you access to digital courses... Read full review	Flexible credit builder that can turn expensive with fees... Read full review
	Visit Site	Visit 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.

Build Credit & Earn Rewards

Learn More

• No credit check
• Instant approval
• 0% APR / $0 fees

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.

Apply Now

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 Kikoff

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.

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