# Self vs Settle

The clearest difference is ads: Self at none against Settle's shown. Self also leads on update cadence (fortnightly vs every 4 months) and chart position (#166 vs unranked). On price, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Self ships an update fortnightly, Settle every 4 months. The most recent releases landed on November 10, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Self | Settle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (340K ratings)](https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562/reviews)** | — |
| Number of ratings | **340K** | — |
| Positive reviews | 54.2% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 4 months |
| Monetization | Free | — |
| Best chart rank | **#166** | — |
| Size | 113 MB | 5 MB |
| Requires iOS | **15.5** | 26.1 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Self Lender, Inc.](https://appshunter.io/developer/1364215561) | [Logan Whitcomb](https://appshunter.io/developer/1708323592) |

## What reviewers say

### Self

[App page](https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562)

**Currently charting:** #166 Top Free · Finance (US App Store)

Build credit and grow savings with a secured credit card or credit builder account. This tool helps establish better financial habits and offers a path to credit with no initial credit check. Report rent, utility, and cell phone payments to credit bureaus.

**Highlights:** Secured Self Visa® Credit Card with no credit check, Credit Builder Account to improve credit score, Report rent, utility, and cell phone payments, Credit monitoring by TransUnion, Savings unlocked after Credit Builder Account completion, Cancel anytime

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Helped build credit quickly
- 👍 Easy to use and understand
- 💰 Saves money while building credit
- 🆙 Boosted credit scores significantly
- 🤝 Responsive and helpful customer service

**What reviewers complain about**

- 🐛 Inconsistent autopay issues
- ⚠️ Unexpected account closures
- 💸 Fees and interest charges
- 🕰️ Slow payout process after loan completion
- 🤔 Misleading or unclear policies

**Reported bugs**

- Autopay failures
- Unexplained account closures

**Requested features**

- Faster payout process after loan completion
- More transparency around fees and policies
- Improved autopay reliability
- Ability to easily close accounts


### Settle

[App page](https://appshunter.io/ios/app/settle-tip-calculator/id6776000029)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Self free?

Self is free to download, with no in-app purchases.

### Is Settle free?

Settle is free to download, with no in-app purchases.

### Do Self or Settle have ads?

Settle shows ads; Self does not.

### Which is updated more often, Self or Settle?

Self ships an update fortnightly, and Settle every 4 months. Most recently, Self was updated on November 10, 2026 and Settle on October 31, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*