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.

While Self offers Credit Builder Account. 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 Kikoff with Self, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Visit Site	Visit Site
	Kikoff	Self
	SPECIAL OFFER Credit Building Made Easy - Learn More Read Kikoff Review	SPECIAL OFFER Apply for a Credit Builder Account at Self - Learn More Read Self Review
	Benefits and Features
Fees	Credit Account: $5/month Credit Service Fee Rent Reporting: Free	Rent Reporting: Free Bills Payment Reporting: $6.95/month
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
Monthly Loan Payment	$10/month	Starts at $25/month. Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing
Loan Term	12 months	24 months
APR	0%	15.92% APR for $25/mo plan; 15.69% APR for $35/mo plan; 15.51% APR for $48/mo plan; 15.82% 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
Fees
Credit Building Tools
Credit Bureaus Reporting
Mobile App
Pros & Cons	Pros: 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 Line	Low-cost credit builder that packs in extra features for credit building... Read full review	Flexible credit builder that can turn expensive with fees... Read full review
	Visit Site	Visit Site
	Credit Building Made Easy Build Credit for Only $5/month	Apply for a Credit Builder Account at Self
Self: Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.

Credit Building Made Easy

Learn More

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

Build Credit for Only $5/month

Learn More

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., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

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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.

• Kikoff vs Chime

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.

• Self vs Credit Karma

Which Do You Think is Best?

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