Licenses

California

California - DFPI Financing Law License No. 60DBO-107723

Delaware

Delaware Lender License No. 040325

Florida

Florida Retail Installment Seller No. RS9910641

Georgia

Georgia Installment Lender No. 1930930

Idaho

Idaho Regulated Lender License No. RRL-10551

Kansas

Kansas Consumer Credit Notification No. NOT.0026777

Louisiana

Louisiana Licensed Lender No. 1930930

Maine

Maine General Creditor License No. OCR15352

Maryland

Maryland Consumer Loan License No. NMLS 1930930

Mississippi

Mississippi Credit Availability Company License No. NMLS 1930930

Missouri

Missouri Small Loan License No. 5672216
Missouri Consumer Installment Loan License No. 5671654

Nevada

Nevada - FID Installment Loan Company License No. IL11149

New Mexico

New Mexico Small Loan Company License No. 2289

Small Loan Consumer Brochure & Loan Rates and Fees.

North Dakota

North Dakota Money Broker License No. MB103951

Rhode Island

Rhode Island Lender License No. 20214220LL

South Carolina

South Carolina Consumer Credit Grantor Notification No. CGC-151443

South Dakota

South Dakota Money Lender License No. 1930930.MYL

Texas

Texas Registered Creditor No. 2300074314-224614

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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/.