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†


Read our in-depth review of Cheese to see why Cheese scored 4.8 stars out of 5. We like their reports to 3 credit bureaus, 12/24 months term, and get your money back.

Build Your Credit Now

  • Build with all 3 credit bureaus
  • No admin or membership fee
  • No credit check required
Grow Credit

Build Credit for Free

Get a Free Mastercard to pay your subscriptions and build your credit


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.

Credit Building Made Easy

  • No credit pull required
  • With 0% interest
  • Open your account in minutes
 Learn MoreVisit Site




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
  • Credit Builder Loan: $9 one-time administrative fee
  • 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, $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
Loan Term
12 - 24 months
24 months
5% - 16% (varies by state)
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
Mobile App
 Learn MoreVisit Site

Cheese Alternatives


Build Credit & Earn Rewards

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

Get up to $250 in minutes with Instant Cash

  • No interest, late fees, or tipping
  • No credit check
  • Just $9.99/mo. Cancel anytime

Get up to $500

  • No interest, credit checks, or late fees
  • No lengthy application process or waiting period
  • Sign up in minutes

Articles on Cheese

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.

Recent Mentions

MoneyLion Credit Builder Review

MoneyLion Credit Builder Review

MoneyLion's Credit Builder loans can improve your credit in 12 months. But is it worth the price? Read on.
Credit Karma Credit Builder Review

Credit Karma Credit Builder Review

Building credit can be simple. Credit Karma makes it easy without fees. But is there anything to look out for? Read on to find out.
Kikoff Review

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.
Add Your Comment

Build credit and save money. Sign up to get our FREE email newsletter.

More Credit Promotions



Apply for a Credit Builder Account at Self


Credit Building Made Easy

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.