How much does Kikoff cost?
It’s completely free for you!
How does Kikoff work?
We help you build credit history by giving you the smallest possible 12-month loan ($12). As you payback $1 each month, we report the on-time payment to the credit bureaus. This is no different than how a credit card or auto loan payment history works. As the loan is 0-interest, 0-fees, the money we deposit into your Kikoff Digital Wallet will be enough to cover the entirety of the loan.
But how does $1 payments make a difference?
Payment history makes up 35% of your credit score. It doesn’t matter the amount, it matters whether it's on-time each month. ⏰
What is the Kikoff Digital Wallet?
The money you received from opening the loan was deposited into your Kikoff Digital Wallet. Since we've given you a zero-interest loan, you will always have enough money in your Digital Wallet to pay off the loan - no bank account needed!
How can I make a payment?

To make a payment, go to the installments page and click “Click to pay” on the relevant installment and the money will be taken from your Kikoff Digital Wallet.

Click here to see a giphy of the process.

When can I make a payment?

You can make a payment on an installment as early as 30 days before the due date. Visit the installments page to view your due dates:

Do I have to stay for all 12 months?
No, you can stop anytime you want. To get the most out of Kikoff, we suggest staying for 12 months and completing all the transfers to establish a longer payment history. Please reach out to to request an early pay-off.
Can I withdraw my funds from the Kikoff Wallet?

Your funds are available instantly upon opening the loan in your Kikoff Digital Wallet. If you prefer electronic payments, you can keep the funds within your Kikoff Wallet. It will only take a few clicks to pay back the loan each month.

Alternatively, if you prefer to mail-in checks, you can choose to withdraw your funds as a paper check. To receive the funds of your loan by paper check, please submit a routing request by click here and confirming the address you have on file. You will also need to be prepared to write a “$1” check every month to our business address listed below:

Kikoff Lending, LLC
75 Broadway Street, Suite 202
San Francisco, CA 94117
How much will this improve my credit?
Credit scores range between 300-850 and people usually start at 600. If you’re new to credit, expect to see a 600+ score within 30 days of your first payment.
How does Kikoff make money?
We’re working to provide you personalized financial recommendations for products from our partners. We receive a small fee from them if you chose their product.
Do I need a bank account?
No, you don’t need a bank account, credit card or prior payment history.
Will there be a hard or soft pull on my credit?
No, we will not make any credit pulls.
How many bureaus do you report to?

We report all members to Experian and Equifax, the two largest credit bureaus. We only report to TransUnion if you are new to credit. The good news is that most lenders check two bureaus and mortgage lenders are required to check all three bureaus, so all members are well-covered.

More questions? Let us know at