Self vs Kovo

Self is a flexible credit builder that can turn expensive with fees. How does it compare to Kovo? 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 Kovo provides access to online courses for $10/month. It helps build credit by reporting the monthly payments to the credit bureaus. The main downside is the 24-month lock-in period.

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

	Visit Site	Visit Site
	Self	Kovo
	SPECIAL OFFER Apply for a Credit Builder Account at Self - Learn More Read Self Review	SPECIAL OFFER Build Credit & Earn Rewards - Learn More Read Kovo Review
	Benefits and Features
Fees	Rent Reporting: Free Bills Payment Reporting: $6.95/month	$10/month (for 24 months)
Credit Building Tools	Credit Builder Account Self Secured Visa® Credit Card Rent and Bills Reporting	Payment Reporting
Credit Bureaus Reporting	Credit Builder Account, Credit Card, and Rent Reporting: 3 Main Credit Bureaus Bills Payment Reporting: TransUnion	3 Main Credit Bureaus and Innovis
Mobile App	Yes	No
	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: $10/month only Easy to apply Earn rewards Cons: 24 months lock-in Courses may have little value to you
Bottom Line	Flexible credit builder that can turn expensive with fees... Read full review	Simple credit builder that gives you access to digital courses... Read full review
	Visit Site	Visit Site
	Apply for a Credit Builder Account at Self	Build Credit & Earn Rewards
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

Build Credit & Earn Rewards

Learn More

• No credit check
• Instant approval
• 0% APR / $0 fees

Which is Better: Self or Kovo?

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: Kovo'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 Kovo

Kovo Credit Builder Review

Kovo is a low-cost way to build credit and learn more skills online. Learn Kovo's features, value, and if it's the best credit builder for you.

Kovo vs Self vs Kikoff

Forget big credit repair companies. Kovo, Self or Kikoff may be your holy grail in building and improving your credit. But what's the catch?

Which Do You Think is Best?

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