Self vs Cheese

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

		CheeseKikoff
	Visit Site	Learn More
	Self	Cheese
	SPECIAL OFFER Apply for a Credit Builder Account at Self - Learn More Read Self Review	SPECIAL OFFER Build Your Credit Now - Learn More Read Cheese Review
	Benefits and Features
Fees	Rent Reporting: Free Bills Payment Reporting: $6.95/month	$0
Credit Building Tools	Credit Builder Account Self Secured Visa® Credit Card Rent and Bills Reporting	Credit Builder Loan
Credit Bureaus Reporting	Credit Builder Account, Credit Card, and Rent Reporting: 3 Main Credit Bureaus Bills Payment Reporting: TransUnion	3 Main Credit Bureaus
Monthly Loan Payment	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	Starts at $24/month
Loan Term	24 months	12 - 24 months
APR	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	5% - 16% (varies by state)
Mobile App	Yes	Yes
	CreditDonkey® Reviews
Fees
Credit Building Tools
Credit Bureaus Reporting
Mobile App
Pros & Cons	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	Pros: Reports to 3 credit bureaus 12/24 months term Get your money back Cons: VantageScore only Not available in all states
Bottom Line	Flexible credit builder that can turn expensive with fees... Read full review	Simple credit builder with minimal fees and charges... Read full review
	Visit Site	Learn More
	Apply for a Credit Builder Account at Self	Build Your Credit Now
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.

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.

Apply Now

Which is Better: Self or Cheese?

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

In short: Cheese's fees is notable.

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.

• Self vs Kikoff
• Self vs Credit Karma
• Self vs Chime

Articles on Cheese

Cheese Credit Builder

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.

Which Do You Think is Best?

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