Still the most-loved credit builder.
Since 2019, we've helped millions of people just like you take control of their financial future.
350K+
User Reviews
+86pts*
ON AVG IN ONE YEAR
4.9
APP STORE RATING
Since 2019, we've helped millions of people just like you take control of their financial future.
User Reviews
ON AVG IN ONE YEAR
APP STORE RATING
Credit building on your terms. Plans from $5/month.

No. Your Kikoff tradeline1 is designed exclusively for building credit and can’t be spent outside of Kikoff.
No, credit ratings1 are based on multiple factors, and Kikoff is only a part of your entire credit story. Late payments must be reported to the credit bureaus, which can hurt your credit. Consistent, on-time payments are the best way to ensure positive reporting - that’s why Kikoff has tools like Autopay, which make on-time payments a breeze.
No. Kikoff plans are for building credit. We previously offered a separate Kikoff Secured Credit Card, but it's no longer offered.
You do not get money back after completing your Kikoff Credit Service1 plan, it is not a credit builder loan.
En promedio, para usuarios con un puntaje de crédito inicial por debajo de 600, en un año con pagos puntuales.