What is Kikoff?

Kikoff is a free credit builder with the goal of making credit building as simple and accessible as possible.

Kikoff does this by giving you a microloan with 0-interest and 0-fees. The loan is paid back in monthly payments over 12 months. Even better, Kikoff can store your loan in a digital wallet for you, so you don’t have to worry about setting money aside. Just log in and click ‘pay’ every month and we’ll report it for you.

Think of Kikoff like watering a plant. As long as you remember to do so regularly, it will grow.

Does a micro-loan really work?

Yes! The magic of Kikoff is that a monthly payment can be just as effective as a much larger payment. Lenders are more concerned with whether you’re able to make on time payments over a period of time, rather than how much you owe or how quickly you pay loans off. For that reason, Kikoff is an easy, low-risk option for credit building, keeping your payments manageable and easy.

The same way that you’re more likely to trust a bus route if the bus is consistently on time, credit lenders are more likely to trust you if you have a history of paying on time.

Do I need to attach my credit card or bank account?

No, we don’t require any payment information because our ultimate goal is to make building credit as easy for you as possible. Instead of using your payment information, we store your loan in a digital wallet.

How does this work?
A digital wallet is simply an online account where your money is kept and where you can make your payments - a lot like a gift card or store balance. Since Kikoff is interest free, the loan is all you’ll need, and since we never take your bank info, your account is secure, and you never have to put money aside.

We’ve set you up for success already!

Is Kikoff considered a pull on my credit?

Kikoff is NOT a pull on your credit.

Because Kikoff is a microloan and doesn’t collect your bank information, we don’t need to run a credit check. Kikoff believes in helping you build credit easily so that you can have strong credit for those larger financial goals, like buying a car or a house.

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

How long will it take to show up on my credit report?

It can take up to 6 weeks for Kikoff to show up on your credit report depending on when in the month you signed up. Kikoff reports everyone’s payments at the end of every month, and once it has been reported it can take up to 2 weeks to be processed and added to your credit report.

For example, if you made a Kikoff payment on August 5th, we will report this payment at the end of August, and you can expect to see it on your credit reports sometime between Sept 1st and September 15th.

Kikoff helps you keep track of your score by having your score available on your account, and if you use a credit monitoring tool, such as Credit Karma, you might see it on there even earlier. Just keep checking in, and remember it’s about the long haul.

Which bureaus does Kikoff report to?

Kikoff is an official data furnisher for Experian. We report all customers’ monthly payments to Experian.

Most lenders check two bureaus and mortgage lenders are required to check all three bureaus, so our members are well-covered.

We work closely with all the bureaus and are constantly improving our services, so keep in touch!

What type of loan is this?
Kikoff is considered an ‘unsecured personal installment loan’. This is the best type of low-risk loan for building credit. Let’s break down what this means:
  1. ‘Unsecured’ simply means that you aren’t putting down any type of asset or collateral in exchange for the loan. For example, a house or a car.
  2. ‘Personal’ means it can be used for any personal reason and isn’t tied to a specific purpose. Unlike, say, a mortgage loan which is specifically for a house.
  3. ‘Installment’ means it is paid back with fixed payments — or installments — over a period of time, or term. Terms can be as short as two weeks or as long as 30 years. Your Kikoff loan term is 12 months.
What states is Kikoff in?

Kikoff is currently available in 41 states, and we are working hard to be available in all 50! We are only available in the US at this time.

We currently do not offer our services in the following US states: Delaware (DE), Louisiana (LA), Nevada (NV), Indiana (IN), South Dakota (SD), North Dakota (ND), Idaho (ID), Mississippi (MS), and Rhode Island (RI)

If we are not in your state yet, you can join our waitlist by signing up and entering your address. Please note you won’t be able to use Kikoff, but you’ll automatically join the waitlist.

Do you have an app?

We do not have a mobile app at this time. However, Kikoff’s website is optimized for mobile. You can manage your loan and account details directly from and even bookmark it to your home screen.

We are hoping to have an app available in your phone’s store soon. Stay tuned!

Why can I trust Kikoff?

Kikoff has helped tens of thousands of people build credit for free. We are trusted and backed by Silicon Valley’s most prestigious investors and officially recognized by major credit bureaus. But don’t just take our word for it, we encourage anybody to explore the positive feedback we’ve received on social media and YouTube.

Kikoff was built by people who have experienced firsthand how scary credit building can be, especially for those who can’t afford to take risky chances. For this reason, we built a product that aims to bring financial opportunity to everyone – free, low-risk, and with no strings attached. We’ve been there, we know how it is, we want to offer you something better.

More questions? Visit our Support Center