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Self vs CreditStrong

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

 Self
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Self

CreditStrong

SPECIAL OFFER
Apply for a Credit Builder Account at Self - Learn More

Read Self Review

 

Benefits and Features

Fees
  • Rent Reporting: Free
  • Bills Payment Reporting: $6.95/month
  • Credit Builder Loan: $15 - $25 one-time administrative fee + required monthly payment
  • Revolving Credit: $99 ($8.25/month billed annually)
Credit Building Tools
  • Credit Builder Account
  • Self Secured Visa® Credit Card
  • Rent and Bills Reporting
  • Credit Builder Loan
  • Revolving Credit
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 PaymentStarts 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 $28/month
Loan Term
24 months
24 - 60 months
APR15.92% 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
3.02% - 15.73%
Credit Limit
Credit Card: $100 Minimum
Line of credit: $1,000 - $3,000
Mobile App
Yes
No
 

CreditDonkey® Reviews

 Self
FeesStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Credit Building ToolsStarStarStarStarStar
Credit Bureaus ReportingStarStarStarStarStar
Mobile AppStarStarStarStarStar
Credit Builder LoanStarStarStarStarEmpty Star
Customer ServiceStarStarStarEmpty StarEmpty Star
Ease of UseStarStarStarStarStar
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:
  • Reports to 3 credit bureaus
  • No credit check
  • Cancel anytime
Cons:
  • Costly way to build credit
  • Late payment can hurt credit
  • No early withdrawal
Bottom LineFlexible credit builder that can turn expensive with fees... Read full reviewCredit builder loan to help build credit history and savings... 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., 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.

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

Which is Better: Self or CreditStrong?

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


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.

Articles on CreditStrong

Credit Strong

Take an in-depth look at credit builder loan company Credit Strong. Review how it works, fees and interest rates, competitors, and customer reviews.

Which Do You Think is Best?





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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.

†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.

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