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How does Kikoff work?
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What is the Kikoff Secured Credit Card?
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Kikoff Inc NMLS ID# 1930930
1 (844) 741-9292
Do Not Sell or Share My Personal Information
Kikoff Inc NMLS ID# 1930930
1 (844) 741-9292
Do Not Sell or Share My Personal Information
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- 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.
- The total of 80 million points increased represents the total combined credit score (VantageScore 3.0) points gained across all Kikoff users between Jan-2019 & July-2025. Individual results may vary.
- Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Average first-year credit score impact of +84 points (VantageScore 3.0) between Jan-2023 & Jan-2024 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.
- 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) 993-9692; 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/.