_‍Plans & pricing

Basic plan

$5/mo

Our most popular plan.

$750 reported Kikoff Tradeline¹

Reports to Equifax, Experian, & TransUnion

Weekly credit report

Tools, tracking, & insights

Bank-level security & support

Premium plan

$20/mo

The best value.

All the perks of Basic

$2,500 reported Kikoff Tradeline¹

Access to Kikoff Secured³ Credit Card

Rent Reporting

Bill Reporting

Track and Manage Spending

Debt Negotiation

Ultimate plan

$35/mo

Our most powerful plan.

All of the perks of Basic & Premium

$3,500 reported Kikoff Tradeline¹

Access to Kikoff Secured³ Credit Card

$1M Identify theft insurance

Rent Reporting

Bill Reporting

Track and Manage Spending

Debt Negotiation

Personal data protection

Basic plan

$5/mo

Our most popular plan.

$750 reported Kikoff Tradeline¹

Reports to Equifax, Experian, & TransUnion

Weekly credit report

Tools, tracking, & insights

Bank-level security & support

Premium plan

$20/mo

The best value.

All the perks of Basic

$2,500 reported Kikoff Tradeline¹

Access to Kikoff Secured⁵ Credit Card

Rent Reporting

Debt Negotiation

Ultimate plan

$35/mo

Our most powerful plan.

All of the perks of Basic & Premium

$3,500 reported Kikoff Tradeline¹

Access to Kikoff Secured⁵ Credit Card

$1M Identify theft insurance

Rent Reporting

Debt Negotiation

Personal data protection

Build credit, fast.

Kikoff plans¹ report to all three credit bureaus which can help improve your payment history, utilization, and account age.

Build payment history

Establishing a strong track record has never been easier.

Lower credit utilization

Your Kikoff tradeline + Kikoff plan = a better¹ utilization ratio.

Age of credit

Your Kikoff¹ account doesn’t expire, which helps your credit profile age like a fine wine.

How it works

How it works in

3 simple steps

45 days money back guarantee⁴

Step 1

Sign up in minutes¹ with no credit check. No hidden fees or interest.

Build credit safely with

3 simple steps

45 days money back guarantee⁴

Step 2

Pick a plan that fits your goals, starting at $5/mo¹. Make on-time payments to start building credit.

Build credit safely with

3 simple steps

45 days money back guarantee⁴

Step 3

Take your credit even further with powerful extra¹ features. Dispute errors. Negotiate debt¹. Build credit with the rent1 you already pay. And more.

45 days money back guarantee⁴

Step 1

Sign up in minutes with no credit check. No hidden fees or interest.

45 days money back guarantee⁴

Step 2

Pick a plan that fits your goals, starting at $5/mo¹. Make on-time payments to start building credit.

45 days money back guarantee⁴

Step 3

Take your credit even further with powerful extra¹ features. Negotiate debt¹. Build credit with the rent you already pay¹. And more.

More¹ ways to score, all in one place.

Credit monitoring

Track changes to your credit, get monthly credit reports from all three credit bureaus, and discover tips to improve your credit, and understand key credit factors.

Kikoff Secured Credit Card³

Build credit with every purchase using the Kikoff Secured Card — like a debit card, with credit perks.

For Premium & Ultimate users.

Debt Negotiation

Our debt negotiation team can help settle outstanding debt, even those that negatively impact your credit.

For Premium & Ultimate users.

Rent Reporting

Get credit for the rent you already pay. We’ll report successful rental payments to Equifax. Report up to 2 years of prior rental payments with a one-time fee of $50.

Bill Reporting

Put your monthly bills to work for you. We’ll report your phone, electricity, natural gas, and water payments to TransUnion each month. This can help you build credit even faster — and we won't report late payments.

For Premium & Ultimate users.

Subscription Management

Put money back in your pocket and cancel your unwanted subscriptions with ease.

For Premium & Ultimate users.

Privacy protection

Tired of spam calls? Remove your personal information from data brokers & third party data resellers. Kikoff constantly monitors the web for new exposures to safeguard your privacy.

For Ultimate users.

Ready to score?

+

86

pts*

On avg for users with starting credit under 600 in a year with on time payments

Build credit fast

Build credit fast

No Credit Check. No interest.

*

Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.

Individual results may vary. Subject to approval & identity verification. For Kikoff Credit Service, plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on the plan purchased. Kikoff tradeline available in Kikoff Credit Account is intended exclusively for financing credit-building purchases via the Kikoff Store. Additional terms and conditions may apply. Cancel anytime. Late or missed payments will have a negative impact on your credit. Make on-time payments to maintain account health.
45-day money back guarantee requires completing your cancellation of the Kikoff Credit Service and/or any other Kikoff store item(s) within 45 days, starting from the day of the first purchase of the Kikoff Credit Service or any Kikoff Store product(s). Guarantee is limited to up to one use per person.
Kikoff Inc. is a financial technology company “Fin-Tech”, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. The Kikoff Mastercard® is issued by Coastal Community Bank, pursuant to a license from Mastercard International Incorporated. Learn more by visiting Coastal Community Bank at coastalbank.com/privacy-center. Use of the Kikoff Secured Card is governed by the Kikoff Secured Credit Card Agreement. The Kikoff Secured Credit Card Merchant Cash Back Program is governed by the Kikoff Merchant Cashback Program Addendum and provided by Coastal Community Bank, Member FDIC. Direct deposit required to unlock overdraft protection. Overdraft limit is determined by card usage and other risk factors. Early access to direct deposit funds depends on the timing of the payer’s submission of deposits and is not guaranteed. Secured Credit Card reports payment history to Equifax, Experian and TransUnion on a monthly basis. Minimum deposit of $50 is required to be reported to the credit bureaus. Secured Credit Card does not report a credit limit.
New Mexico residents only – TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER YOU MAY WRITE OR CALL Compliance Director at P.O. Box 40070, Reno, NV 89504; (775) 993-6992.; or at support@kikoff.com. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.nm.gov/financial-institutions/.