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7 Credit Building Apps Like Self To Improve Your Credit in 2024

phone app showing excellent credit scores
Long Story Short
Credit building apps can help improve your credit by making monthly payments on a credit builder loan. Staying disciplined with timely payments, utilization ratio, & monitoring reports are critical to improving your credit score.

Having good credit is crucial, and apps like Self offer products and tools to build your credit all right from your phone. These apps, credit builder loans, and credit accounts have transformed how you can take control of your credit journey.

Maybe you simply haven't established credit, or perhaps you've had inconsistent payment history in the past. No matter the starting point, building your credit is more accessible than ever. In this guide, we will cover the best credit building apps similar to Self, the pros and cons of each app, and a few alternatives to consider.

Apps Like Self

If you’re looking for other credit building apps, you’re in luck. Several top-notch options are available. Each app has unique features and services to help you build your credit score. In this section, we’ll introduce you to other similar credit building apps.

  1. MoneyLion Credit Builder Plus
  2. Brigit
  3. Kikoff Credit Account
  4. Grow Credit

These apps provide credit building loans, on-time payment tracking, and personalized advice to help you improve your credit score and achieve your financial objectives.

So, whether you’re starting from scratch or looking to improve your existing credit score, these apps can provide the assistance you need. Let’s dive deeper into each of these credit building apps and explore their unique offerings.

1) MoneyLion Credit Builder Plus

MoneyLion is one of CNBC's top 200 global fintech companies and a money-borrowing app that empowers customers to take control of their finances. They offer products such as Credit Builder Plus loans to help build your credit through timely payments.


  • MoneyLion offers Credit Builder Plus loans like the Self app to build credit with limits up to $1,000, a 12-month payoff, and no hard check.
  • MoneyLion's Credit Builder Plus loans allow you to access some loan funds immediately with 0% APR on cash advances.
  • Reports regularly to all three credit reporting bureaus.


  • MoneyLion has a monthly fee that is considered moderate to high compared to other apps.
  • MoneyLion Credit Builder Plus loans only come in 12-month durations with no options for different terms.

2) Brigit Credit Builder

Brigit sets up a credit builder loan and deposits the funds into a new account that you will make monthly payments against. The minimum amount due is split each month, and the balance is paid from the new loan funds. Each month, payments are reported to the credit bureaus, and once you've made all the payments – you get back the money you put in.


  • Brigit offers a low, fast-funding fee.
  • Offers additional credit building with no interest or upfront deposit.
  • Brigit app is also popular for overdraft protection.


  • A monthly subscription fee is required.

3) Kikoff Credit Account

Kikoff is a unique credit building app that provides approved users a $750 line of credit to purchase items within their marketplace. Once you make a purchase, Kikoff will report your information to the credit bureaus, helping you build your credit through on-time monthly payments.


  • Instant approval with no credit check.
  • Kikoff offers a Credit Account and a Secured Credit Card
  • Kikoff also offers additional services like technology to dispute credit report errors and rent reporting


  • Credit Account can only be used to finance credit builder loans and goods from the Kikoff store.

4) Grow Credit

Grow Credit has created an innovative solution that makes monthly payments towards your subscription services to build your credit. Grow Credit offers an interest-free MasterCard for monthly subscriptions like Netflix and Hulu. Grow's unique model makes it an easy credit building app since it only requires applying and updating payment methods for services you likely already pay for.


  • Low-effort way to start building payment history.
  • Automatic payments are reported to the three major credit bureaus.
  • Variety of plans are available: Free to $9.99.


  • Grow can only be used for recurring monthly subscriptions.

Alternatives to Apps Like Self

1) Cleo Credit Builder Card

Cleo's Credit Builder Card is a secured credit card starting with a $1 minimum deposit and no hard credit check. Cleo will then report your account status to the three major bureaus and help you build your credit over time, eventually helping you access better credit opportunities.


  • No annual fees
  • No interest will accrue
  • No hard credit check
  • Payroll direct deposit allows you to access your paycheck up to 2 days early


  • Cash advances over $250 require direct deposit to be switched

2) Possible Finance

Possible Finance provides an excellent opportunity for building good credit with two credit builder products at a low cost and 0% APR. Both accounts offer similar features but offer differing credit limits of $400 and $800 and differing monthly membership costs of $8 and $16.


  • Possible offers the Possible Loan and Possible Card to get money in minutes and build credit history.
  • Fixed monthly cost: no late fees and no interest charges.
  • Pay over time option available.


  • Possible Loan holders can't apply for the Possible Card until their loan is paid in full

3) Super Pay Card

Super.com's Pay Card is another option for a secured credit card that offers the possibility to build your credit with no credit check, no interest, and no minimum income. The Pay Card works like most secured credit cards, establishing your credit limit by funding it with your cash, but in Super's case, you link your bank account instead of a security deposit, and your credit limit equals your balance.


  • Unlimited cash back on everyday purchases
  • No hidden fees
  • No minimum income or bank account balance


  • Membership fee is on the high end at $15/month

How Do Credit Building Apps Work?

credit builder apps and cards

If you want to improve your credit score, credit-builder apps can help. These apps offer a range of tools and services designed to boost your credit score. They also work directly with credit bureaus so that your timely payments and positive impacts are correctly reported. They aim to help you achieve a better score by offering products like credit builder loans, credit monitoring, and tools that will help you establish a positive payment history to keep you on track.

Positive payment history and low credit utilization are imperative to building strong credit, and these apps for credit building are designed to help you in these areas and much more. Credit building apps can help improve your financial management skills and overcome limited or adverse credit history obstacles.

How Credit Building Apps Help Improve Your Credit Score

Credit building apps have several tools to help improve your credit, such as credit builder loans. These loans are available to those with lower credit scores and limited credit history. Once the loan is set up and the funds have been transferred to a savings account, you can improve your credit score by making timely payments, which will be regularly reported to the credit bureaus.

In addition to credit builder loans, credit building apps will offer credit monitoring services. Tracking your credit score and receiving alerts about any changes in your credit reports helps ensure your credit score accurately depicts your financial behavior and creditworthiness. Credit building apps also offer personalized advice based on your credit utilization ratio and credit history, helping you make informed decisions and take the necessary steps to improve your credit score.

With careful and regular credit monitoring, many people have significantly improved their credit scores in as little as 30 days. These apps are designed to address the most weighty parts of your credit score: timely payments and credit utilization.

Tips to Get the Most Out of Apps Like Self

credit report

Now that we’ve explored the best credit building apps, it’s time to learn to maximize the benefits of credit building apps to improve your credit score, credit line, and financial management.

Whether a credit building app or a credit card, success hinges on regular, timely payments, keeping a tab on your credit utilization ratio, and consistently scrutinizing your credit reports for errors or inaccuracies. You can unlock better credit opportunities and achieve your financial goals by staying diligent and proactive in your credit management.

Make Consistent On-Time Payments

Consistently making on-time payments is crucial for building and maintaining a good credit score, as payment history is a significant factor in credit scoring. A positive payment history demonstrates to lenders that you are financially responsible and can manage your credit wisely.

To ensure consistent on-time payments, consider setting up automatic payments, setting reminders, or creating a budget that accounts for your monthly payment obligations. Maintaining discipline with your payments constructs a solid foundation for your credit score, opening up superior credit opportunities in the future.

Monitor Credit Utilization Ratio

Monitoring and maintaining a low credit utilization ratio (the percentage of available credit being used) can help improve credit scores and demonstrate responsible credit management. A low credit utilization ratio shows lenders that you can manage your credit wisely, which can lead to a higher credit score and better credit opportunities.

To monitor your credit utilization ratio, regularly check your credit reports and ensure your credit balances stay within acceptable limits. Keeping a low credit utilization ratio and making punctual payments can enhance your credit score and give you superior financial opportunities.

Check Credit Reports

Regularly checking your credit reports for errors and disputing any inaccuracies can help ensure that your credit scores accurately reflect your financial behavior. By staying proactive and diligent in monitoring your credit reports, you can catch and correct any errors before they negatively impact your credit score.

Access the websites of the three major credit bureaus (Experian, Equifax, and TransUnion) for regular credit report checks or leverage a credit monitoring service. By staying on top of your credit reports and addressing any inaccuracies, you can maintain a good credit score and enjoy the benefits of better credit opportunities.

The Bottom Line

Whether you are looking at apps like Self credit builder or options that take a different approach, there are many to choose from. These credit building apps and credit card options provide valuable tools and services to help you improve your credit score and achieve your financial goals. By understanding how these apps work, leveraging their unique features, and following our tips for effective credit management, you can unlock better credit opportunities, take control of your financial future, and save on interest and fees.

With diligence, consistency, and the right partner, you can transform your credit score and unlock the door to better financial opportunities.

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Melissa Nason Ferreura

Melissa has worked in finance for over a decade, focusing on publications designed to help readers make their money work to their advantage to achieve both short-term and long-term financial goals.

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Editorial Staff

The editorial team applies their decades of experience in financial services & customer experience to develop research aligned with our editorial pillars of Integrity, Transparency, & User-centricity.

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