Build credit with Kikoff
Join over a million people already using Kikoff.
No credit check
Open your account in minutes
Easy disputing, rent reporting, and more tradelines
#1 rating is based on current IOS App Store rankings of credit building products in “Finance” chart category.
As seen in
No credit? Low credit?
Kikoff can help.
We help you establish positive payment history and lower utilization, both important factors in calculating your credit score.
No hard pulls required
Cancel anytime
With the optional Autopay, never worry about due dates.
With our credit monitoring reports, see insights like problem areas so you stay on track to grow your credit.
Meet our customers
“Kikoff is the best way to build credit quickly.”
- Fredrika, a real Kikoff customer
We’ve helped members increase credit scores by a total of 9.6M points1
Join over a million people building their credit with Kikoff.
As reviewed on
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Timothy L.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Desiree F.
I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!
Nathan C.
0 in July, 700 in December. Y’all did that.
@seph.selle
I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!
@ian_the_1
I started my credit only a month ago, I started off with no credit score at all and a month later my credit score is at 596!
Taeyana T.
Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.
- Credit Account - this is our primary product: a revolving line of credit designed to address the 3 key factors of your credit score: payment history, credit utilization, and age of accounts.
- Build monthly payment history: Use your Credit Account to finance a purchase from Kikoff and make monthly payments without interest or fees to build your payment history. We’ll report each of your payments to Equifax and Experian.
- Reduce your credit utilization: Signing up for Kikoff gives you access to a $750 line of credit to make purchases from Kikoff.
- Raise your age of accounts: The older your accounts, the better. The Credit Account doesn’t expire—so keeping it open will continue to increase your average account age.
- Credit Builder Loan - Credit Builder Loan is a 1-year credit-building plan that also builds $10/month in savings. At the end of the year, you’ll have built 12 months of payment history and you’ll get all your savings back ($120).
- Secured Credit Card - this is a free, secured credit card product that safely builds your payment history through your everyday transactions. The Secured Credit Card works like a debit card but has the benefits of a credit card.
Kikoff offers multiple products.
- The Credit Account is a revolving line of credit that gets reported to Equifax and Experian. You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff. Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries). There is no physical card with the Kikoff Credit Account.
- The Credit Builder Loan is a savings product that reports to Transunion and Equifax. As a savings product, the Kikoff Credit Builder Loan cannot be used to make purchases.
- The Secured Credit Card is a secured credit card on the Mastercard network that works like a checking account and debit card. The funds that are deposited set the credit limit of the card so you never have to worry about overspending or due dates.
On average, customers with credit scores under 600 increase their credit scores by 58 points[1], with consistent on-time payments during the account lifetime. Many Kikoff customers have been able to qualify for better car loans, mortgages, credit cards, personal loans, and more.
Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.
[1] Credit Score Increase: Based on Kikoff customers that used theCredit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.
Kikoff reports your accounts every month, at the start of the month. Please note we report to different bureaus, depending on which accounts you have:
- Credit Account reports to Equifax and Experian. We require 1 successful payment before reporting.
- Credit Builder Loan (optional add-on) reports to TransUnion and Equifax. We require 1 successful payment before reporting.
- The Secured Credit Card (optional add-on) reports to Equifax, Experian and TransUnion. We require a minimum deposit of $50 required to be reported.
- With the Credit Account, there are no additional fees. You are responsible for paying back any purchases financed by the Kikoff Credit Account, but there are no additional interest fees, late fees, or other fees.
- The Credit Builder Loan is a savings product with minimal fees and a low interest rate that keeps as much of your money in your pocket as possible. With this product, you choose your path -- you can make payments with monthly bank transfers or pay by card. Then, after building up your payment history, you get back the deposits that you made each month.
- Using the Secured Credit Card, you can access your funds without any additional fees from over 55,000 ATMs in the Kikoff network conveniently located in Walgreens, Target, CVS, and more. Any ATMs outside of the Allpoints network will be subject to a $2.50 Kikoff fee in addition to any ATM fees.
