Access to financial services with a little elbow grease. Get started in days, not years.


You’ll demonstrate your credit-worthiness by partnering with Kikoff. The best part? You already have everything you need to get started.

1. Signup for a
Kikoff account.

Get instantly approved after verifying your identity.

2. Get approved
for our plan.

Receive funds from our loan to kick off your payment history.

3. Pay us back
each month.

Follow your Kikoff payment plan.


To reach your financial goals, start by showing the world you can be trusted.

After you’re approved and your loan is funded, make sure to make each on-time payment according to your payment schedule. Over time, your payment history can be your greatest asset––but beware, missing a payment can also be your biggest liability!

Use the Kikoff reminders and notifications to Kikoff some good habits. No hidden fees and no B.S. That’s how we Kikoff a great partnership. See why thousands of people trust us to trust them.


At Kikoff, we believe that everyone should have the opportunity to own their financial future. We’ve seen people get burned all-too-often by credit cards when trying to establish credit which is why we’ve created a way to build credit in an environment free from surprises, hidden fees, and interest rates. To make sure Kikoff will actually be accessible to anyone and everyone, we’ve made our service free.



At Kikoff, we believe that trust is the first step to a great partnership. We believe that by investing in people first, together we can build a long-term financial relationship.

We’re committed to helping you reach your financial goals, widening the circle of opportunity for everyone.

We saw it happening too often – friends and family being rejected for apartments and car loans, and overpaying on mortgage payments. They didn’t know that to build a deep trust, you have to start with baby steps.

Today, your financial health is like your medical health. You get it from your parents, both good and the bad. With a combined twenty-years of financial technology experience at some of the most well-known names, our team made it their mission to democratize access to financial services. Inside every one of us is the potential to be an amazing member of the financial community. Our goal is to help you get started in sharing your financial gifts with the world.

Meet the Team
Kikoff is venture-capital backed and funded by many of Silicon Valley’s savvy investors, including social impact investors. They invested in us so that we could invest in you!
Foundation CapitalLightspeedFemale Founders Fund
GGV CapitalCoatue