Self vs Kikoff

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

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.

While 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.

Compare Self with Kikoff, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Visit Site	Visit Site
	Self	Kikoff
	SPECIAL OFFER Apply for a Credit Builder Account at Self - Learn More Read Self Review	SPECIAL OFFER Credit Building Made Easy - Learn More Read Kikoff Review
	Benefits and Features
Fees	Rent Reporting: Free Bills Payment Reporting: $6.95/month	Credit Account: $5/month Credit Service Fee Rent Reporting: Free
Credit Building Tools	Credit Builder Account Self Secured Visa® Credit Card Rent and Bills Reporting	Credit Account Credit Builder Loan Kikoff Secured Credit Card Rent Reporting
Credit Bureaus Reporting	Credit Builder Account, Credit Card, and Rent Reporting: 3 Main Credit Bureaus Bills Payment Reporting: TransUnion	Credit Account: Equifax and Experian Credit Builder Loan: TransUnion and Equifax Credit Card: 3 Main Credit Bureaus Rent Reporting: Equifax
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	$10/month
Loan Term	24 months	12 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	0%
Credit Limit	Credit Card: $100 Minimum	Credit Account: $750 (can be used at Kikoff Store only) Secured Credit Card: $50 minimum
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: Inexpensive way to build credit Cancel anytime No lock-in period Cons: Does not report to TransUnion Kikoff Store items may not be valuable
Bottom Line	Flexible credit builder that can turn expensive with fees... Read full review	Low-cost credit builder that packs in extra features for credit building... Read full review
	Visit Site	Visit Site
	Apply for a Credit Builder Account at Self	Credit Building Made Easy Build Credit for Only $5/month
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.

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• No credit pull required
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• Open your account in minutes

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Which is Better: Self or Kikoff?

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

In short: Self's credit bureaus reporting is excellent. Kikoff's fees is notable.

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
• Self vs Chime

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.

Which Do You Think is Best?

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