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Self vs Credit Karma

Self is a flexible credit builder that can turn expensive with fees. How does it compare to Credit Karma? Read our comparison chart below.

 Self
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Self

Credit Karma

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Apply for a Credit Builder Account at Self - Learn More

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Benefits and Features

Credit Building Tools
  • Credit Builder Loan
  • Self Secured Visa┬« Credit Card
  • Rent and Bills Reporting
Credit Builder (line of credit + savings account)
Credit Bureaus Reporting
  • Credit Builder Loan, Credit Card, and Rent Reporting: 3 Main Credit Bureaus
  • Bills Payment Reporting: TransUnion
3 Main Credit Bureaus
Fees
  • Rent Reporting: Free
  • Bills Payment Reporting: $6.95/month
Monthly Savings: Starts at $10/month
Credit Limit
Credit Card: $100 Minimum
Line of credit: $1,000
Mobile App
Yes
Yes
 

CreditDonkey® Reviews

 Self
Credit Building ToolsStarStarStarStarStarStarStarStarHalf StarEmpty Star
Credit Bureaus ReportingStarStarStarStarStarStarStarStarStarStar
FeesStarStarEmpty StarEmpty StarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarStarStarStarStarStarStar
Pros & ConsPros:
  • 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
Pros:
  • No fees
  • Reports to 3 credit bureaus
  • No lock-in period
Cons:
  • Credit score must be 619 or below
  • Can't access savings immediately
Bottom LineFlexible credit builder that can turn expensive with fees... Read full reviewFree credit builder that helps you build savings worth $500 or more... Read full review
 Visit SiteLearn More

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.

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: Self or Credit Karma?

In short: Self's credit building tools is excellent. Credit Karma's fees is outstanding.


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.

Articles on Credit Karma

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.

Credit Karma Alternatives

Searching for credit monitoring tools like Credit Karma? Browse these alternatives and their features. Some of them are free.

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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.

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