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BUILD CREDIT
with instant approval

0% interest. No fees. No credit check to join.
Credit builder
Why you should join
We’re designed to maximize credit
The Credit Account addresses three key factors that determine 80% of your credit score. And we do it with 0% interest, no fees, and no credit check.
Credit building on your terms
You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment—you can pay back your balance in full at any time.
Reach your financial goals
Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Start building credit in seconds

  1. Sign up for Kikoff Credit Account

    Get instantly approved for a $500 line of credit. We don’t do credit checks so this won’t affect your score.
  2. Use your credit

    Choose from a wide range of products from the Kikoff store. They start at just $10—so you can pick exactly what fits your budget.
  3. Make monthly payments

    Every on-time payment for your balance builds your credit. All it takes is one click. We’ll send you reminders so you know exactly when.
Don’t just take our word for it
Join tens of thousands of Kikoff customers
As reviewed on
Nerdwallet
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.
Backed by Silicon Valley’s best
We’ve earned the trust of Silicon Valley’s most savvy investors—including social impact ones
We’re here for equality in financial opportunity.
Lightspeed
Core Innovation Capitol
Female Founders Fund
COATUE
Foundation Capitol
GGV Capitol
The earlier you start, the more you have.
Start building your credit today. Your future self will thank you ✨
Have questions?
  • Kikoff’s goal is to make building credit fair, effective, and simple. Kikoff’s products are transparent and accessible--no interest, no fees.

    Our credit-builder product is called Kikoff Credit, it’s a $500 revolving line of credit that helps you build credit in multiple ways. See our other FAQs to learn more!

    Good credit opens doors. It can help you get that car loan or apartment lease. It can even save you money with lower interest rates.

  • The Kikoff Credit Account gives you a $500 revolving line of credit. This type of credit doesn't have a fixed number of payments, so you get even more capacity and flexibility in building your credit.

    With the Credit Account, you can make purchases from the new Kikoff Store! Think of it like a credit card, but there are no interest, no fees, AND we help you spend responsibly.

    We’re always working on new credit-building features to improve your experience. Stay tuned for increased credit limits and even more purchase options. Just remember, the better you are paying back what you borrow, the better it looks on your credit score.

  • Kikoff is NOT a pull on your credit.

    Kikoff believes in helping you build credit easily so that you can reach those larger financial goals, like buying a car or a house.

    We don’t check your score, we just help you build it.

  • It's an old product! We're no longer taking new sign ups for the $12 loan. But if you've got it, it still works. We're continuing to report your payments on the $12 loan.

    We like to think of the Kikoff Credit Account as the new-and-improved version of the $12 loan. It's designed to give you unlimited payment history and low credit utilization, helping you grow your credit even more.

Join Kikoff today