Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Self vs Brigit

Self 4.9★ · Free to download 75
Winner Self
Brigit 4.8★ · Free to download 60

Self is better for long-term credit building and savings, while Brigit is better for quick cash advances, though both have significant user complaints regarding fees and customer service.

Full reviews: Self · Brigit

Self focuses on credit building through secured loans and credit cards, helping users improve their scores and save money. Brigit offers cash advances with no interest, but users frequently complain about subscription fees and low advance limits.

Head to head

Credit Building edge: SelfR5R8R14R34
Self Self is highly praised for its effectiveness in building credit, especially for those with little to no credit history, by reporting on-time payments and offering secured credit cards R5R8R14R34. Users appreciate the structured guidance and the ability to save money while building credit R5.
Brigit Brigit does not primarily focus on credit building; its main offering is cash advances. Reviews do not indicate any credit building features.
Cash Advances/Loans edge: BrigitR3R59R62R64
Self Self offers cash advances, which some users find helpful R3. However, users report that the advance amount can fluctuate and decrease even with consistent income R3. Some also complain about high interest rates on their credit cards R3R59.
Brigit Brigit is primarily known for its cash advances, which many users find quick and helpful in a pinch, often with no interest . However, a significant number of users are frustrated by low advance limits (often $50-$85) that rarely increase, making them feel the service isn't worth the subscription fee R62R64R69.
Fees and Pricing tieR3R17R18R39
Self Self users report issues with high late fees and interest rates on credit cards R3R17R18. There are also complaints about fees for faster access to funds after a loan payoff R39 and general charges that users feel are excessive .
Brigit Brigit users frequently complain about unexpected or confusing subscription fees, with some being charged without clear consent or after cancellation R70. The monthly subscription is a point of contention, especially when advance limits remain low .
Ease of Use & Reliability edge: SelfR5R6R7R28
Self Self is generally described as user-friendly and organized R5R28. However, some users experience significant issues with bank account connectivity R49, slow payment processing R6, and payments not posting or updating credit availability promptly R7.
Brigit Brigit users report frequent disconnections from bank accounts and difficulties logging in . Payment processing for repayments is often slow, taking days or even weeks, which delays eligibility for new advances R63. Some users also find the app difficult to navigate .
Customer Support edge: SelfR2R4R7R27
Self Self receives mixed reviews for customer support. Some users praise the helpful and top-notch crew R2. However, many others report poor, nonexistent, or unhelpful customer service, citing issues with AI chatbots, unhelpful representatives, and difficulty resolving problems like lost cards or bank connectivity R4R7R27.
Brigit Brigit's customer service is widely criticized as poor or nonexistent. Users report difficulty contacting real people, slow response times (often only by email), and unhelpful interactions when dealing with issues like unexpected charges, bank disconnections, or payment processing R70.
Pick Self if

You are looking to actively build or rebuild your credit history and are comfortable with a secured loan or credit card model R5R34. You value an app that helps you save money while improving your credit score R5.

Pick Brigit if

You need small, quick cash advances without interest to bridge gaps between paychecks . You are aware of the potential for low advance limits and subscription fees, and find the convenience outweighs these drawbacks R62.

Evidence note: Both apps have a significant number of negative reviews, many of which are recent, despite high lifetime ratings. For Self, many negative reviews focus on customer service, payment processing, and perceived misleading practices. For Brigit, the negative reviews heavily center on subscription fees, low and stagnant advance limits, and poor customer support.

Frequently asked

Does Self help improve credit scores?
Yes, Self is designed to help users improve their credit scores by reporting on-time payments for secured loans and credit cards, with many users reporting significant increases in their scores R5R8R32R46.
What are common complaints about Brigit's cash advances?
Common complaints about Brigit's cash advances include low advance limits (often $50-$85) that rarely increase, slow processing times for repayments which delay eligibility for new advances, and unexpected or confusing monthly subscription fees R62R63R69R70.
Is customer service good for Self and Brigit?
Customer service for both Self and Brigit receives mixed to poor reviews; while some Self users praise the support, many report unhelpful AI chatbots and difficulty resolving issues R4R7R27R49, and Brigit users widely criticize its customer service as poor, slow, and difficult to access R70.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] Self 5/5 · US A tremendous help: I definitely had credit anxiety. I didn’t have much of a credit history but Self’s organized guidance and user friendly app really helped me improve my credit score and overall knowledge about how to continue to build better credit. The savings account that helped show credit bureaus on time and early payments while saving money was exactly what I needed and has helped me save m
  2. [R8] Self 5/5 · US Kevin Monroy: Recomiendo!! Ya voy a terminar mi contrato y tengo muy buen puntaje.
  3. [R14] Self 5/5 · US Great credit builder: Great app
  4. [R34] Self 5/5 · US Great program: I just turned 18 last year and since then I have had this app and it is great for building you credit without having to get a spastic credit card from a store.
  5. [R3] Self 3/5 · US Keep looking: They are great for building credit. They will harass you to get their overly high interest rate credit card. You get raped to use your own money. The cash advance is nice, however, don’t get used to being able to borrow the same amount. You can have the same pay every month, the same bills every month, and the same spending every month. They will still lower the amount that you can b
  6. [R59] Self 1/5 · US Poor Customer Service: Poor customer service and exorbitant interest with no benefits.
  7. [R62] Brigit 5/5 · US Love Brigit!: This app has been very helpful! Although I haven’t been able to get passed the $50 mark even though my income fluctuates due to me being a caregiver and I work different hours. I still can always count on having an extra $50 every 2 weeks lol
  8. [R64] Brigit 2/5 · US Review: It’s cool it just take to long to get a raise !
  9. [R17] Self 1/5 · US Fees: They overcharge on late fees.
  10. [R18] Self 4/5 · US Pretty cool app, credit card/ late fees should be decreased though: Can help build credit but can become expensive for someone that doesn’t have consistent income to make payments on time. If it’s tailored to people rebuilding, there’s a good chance finances aren’t consistent yet so you shouldn’t be punished so severely. and if it’s tailored for new to credit people, there are cheaper and better a
  11. [R39] Self 1/5 · US Not as expected: I paid off my loan. I made every payment on time. Now, that it’s time for me to collect my money, THEY are not on time! My account closed on the 28th. It states on the site that money is sent to the bank account on file in 5-7 days. However, It’s not there because it’s “under review” Then they offer to give you the money faster if you pay a fee! I’ve already paid a substantial amo
  12. [R6] Self 3/5 · US Failure to take money when you pay: The only bad thing about this app is THEY TAKE THEY PAYMENTS out of your account literally a whole 5 days to a week after you submit the payment. Sometimes I think the money is processed and it’s not and I get a failed payment fee EVERY MONTH 🤦🏿‍♂️
  13. [R7] Self 1/5 · US The worst app: The company isn’t horrible. Inflated credit scores are super unhelpful…like a 30-40 point difference on avg from what they say it is and what the credit bureau says it is. That just leads to frustration when applying for things that you “qualify” for, only to find out you’re way off. Support is almost nonexistent but that’s every company that uses these wildly annoying AI chat bots.
  14. [R28] Self 5/5 · US Service: Great features. Easy to use. Helps improve My score
  15. [R2] Self 5/5 · US Top notch crew: Iv always received the best help when I have questions or there is a problem.
  16. [R4] Self 1/5 · US If I could give 0 stars, i WOULD!!!: Rashan from customer service sucks. He didn’t help at all and doesn’t understand his own company. A complete scam, never get involved with these losers.
  17. [R27] Self 2/5 · US Lost card: Been trying for months to get a new card, customer service is non existent! If you lose a card your self account is done, just give up and close it asap!
  18. [R32] Self 5/5 · US Credit booster: Improved my credit very fast cool app cool credit card
  19. [R46] Self 5/5 · US Best Way Of Building Credit: Had helped my credit score rise within 90 days. Omg I’m so grateful and thankful for this Self Credit
  20. [R63] Brigit 3/5 · US Briget: Takes a too long to process the repayment especially when I need to borrow the money again thru tough times and I need it sooner. You take too long. Just my opinion.
  21. [R69] Brigit 3/5 · US Limited: I’ve been with Brigit for a few years now with no issues and they still haven’t increased my cash advance limit above $70
  22. [R70] Brigit 1/5 · US Hidden charges: I thought this was a great app until I was randomly charged $39 for a Bright Membership. It doesn’t show any information on where the charge is from or what it’s for. They don’t have any real people to get in contact with immediately. Use at your own risk. I believe it’s false advertising and doesn’t fully support when you have an issue. I don’t like having money taken for no reaso
  23. [R49] Self 1/5 · US Horrible!: No customer support will help me appropriately. I am not able to connect my bank account and kee it connected and it is not my bank’s issue. This has been going on for over 6 days.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store