SPECIAL 80%* OFF your 1st month Promotion

The faster way to build credit

No credit checks, hidden fees, or interest.
Plans from $5/month

No credit check
No hidden fees
No interest
Get Started

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*Promotional discount of 80% applies exclusively to the Month 1 base cost of any 12-month Kikoff plan: Basic ($5), Premium ($20), or Ultimate ($35). Offer available for new customers only, limit one per customer.
Subject to approval & identity verification. Terms & conditions may apply.

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Credit goals?‍
Whether you need a loan or new wheels, better credit can help.

Helping credit builders score.
No credit checks, hidden fees, or interest.

Proven results

Users with starting credit under 600 grew an average of +86pts in just a year with on-time payments2

Trusted by bureaus

The power of Tri-bureau: Kikoff reports to all 3 major credit bureaus: Equifax, Experian, & TransUnion.

Loved by fans

Kikoff is an all-time fan favorite—just ask the internet: 99% of App Store reviews are 4-stars or higher.

Plans from $5/month

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Start with a plan,
skip the credit check

Credit builder plans starting at $5/month* that help you build credit when you pay on time. Sign up in minutes. Cancel anytime.
No credit checks. No hidden fees. No interest.

Get Started

Score more without breaking a sweat

Your Kikoff tradeline instantly adds to your credit mix, grows your average account age, & can help you to build payment history & lower utilization with on-time monthly payments.

For illustrative purposes only
For illustrative purposes only
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More ways to win,
all in one place

Kikoff helps elevate your rise to credit success. Monitor & master key credit tactics with a bottomless credit building toolbox.

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Track progress & tackle goals
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Build credit with rent payments1
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Flag errors & file disputes in minutes

Servicio de crédito Kikoff

‍Planes y precios

Kikoff Básico

$5/mes
Kikoff Básico
Nuestro plan más popular.
Bajo costo, sin lujos.
Obtener Básico
Línea de intercambio de $750 Kikoff
Sin verificación de crédito
Informes a Equifax
Informes a Experian
Informes a TransUnion
Herramientas, seguimiento e información
Seguridad y soporte a nivel bancario
Ver su puntaje de Equifax y su informe de crédito completo

Kikoff Premium

Kikoff Premium
$20/mes
Nuestro plan más equilibrado.
Lpleto de características adicionales.
Obtener Premium
Línea de intercambio de $2500 Kikoff
Reporte de alquileres
Sin verificación de crédito
Informes a Equifax
Informes a Experian
Informes a TransUnion
Herramientas, seguimiento e información
Seguridad y soporte a nivel bancario
Ver su puntaje de Equifax y su informe de crédito completo
Ver su puntaje de Experian y su informe de crédito completo
Ver su puntaje de TransUnion y su informe crediticio completo

Kikoff Ultimate

Kikoff Ultimate
$35/mes
Nuestro plan más poderoso.
Todo, más protección.
Obtenga lo último
Línea de intercambio de $3500 Kikoff
$1M Identifica seguro de robo
Protección de datos personales
Reporte de alquileres
Sin verificación de crédito
Informes a Equifax
Informes a Experian
Informes a TransUnion
Herramientas, seguimiento e información
Seguridad y soporte a nivel bancario
Ver su puntaje de Equifax y su informe de crédito completo
Ver su puntaje de Experian y su informe de crédito completo
Ver su puntaje de TransUnion y su informe crediticio completo
Los servicios de Kikoff pueden resultar en comisiones bancarias cuando se debitan las cuentas de los clientes. Los bancos pueden cobrar tarifas de fondos insuficientes, cargos por sobregiro u otras tarifas. Las tarjetas de crédito también pueden incurrir en cargos por intereses. Kikoff no se hace responsable de ninguna comisión bancaria. Las tarjetas de crédito aseguradas por la competencia se refieren a tarjetas de crédito aseguradas distintas de Kikoff.

Credit building tools
for every step of your journey1

Kikoff Secured Credit Card

Kikoff Premium and Ultimate users can access the Secured Card with perks like cash back, fee-free overdraft protection, & early payday, the Kikoff Secured Card works like a debit card, but helps you build credit4 with everyday purchases.
‍Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated.

Rent Reporting

Kikoff Premium users can build credit with the rent they already pay—and even report up to 2 years of past payments for a one-time fee.  If you pay rent, we think you should get credit for it.

Privacy Protection

Kikoff also offers affordable white-glove packages that help defend against threats beyond Kikoff—like data breaches & hackers. While bank-level security is standard for all, Privacy Protection works 24/7 to monitor credit, remove already-exposed data, & protect your identity from cyberthreats.

Reviews

Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Kikoff.

Marquita
Oakland, CA

I was ready to clean up my credit but I didn't have a ton of options. Kikoff worked and I still don't know how. Up to 700 after a year.

Sammy
Detroit, MI

i couldn't get a car to save my life n Kikoff helped get me from 545 to like 6 something in like 2 months. def worked for me!!!! thank yoouuuuu ⭐️⭐️⭐️⭐️⭐️

Lila
Atlanta, GA

My credit was in the 400s.... I didn't even know credit could go that low. Now it's in the 600s. Don't even think about it, just sign up.

Keshawn
Oakland, CA