
Credit-building & financial tools, made easy.
on avg for users with starting credit under 600 in a year with on time payments

Since 2019, we've helped millions of people just like you take control of their financial future.



No. Your Kikoff Tradeline1 is designed exclusively for building credit and can’t be spent outside of Kikoff.
No, credit ratings1 are based on multiple factors, and Kikoff is only a part of your entire credit story. Late payments must be reported to the credit bureaus, which can hurt your credit. Consistent, on-time payments are the best way to ensure positive reporting - that’s why Kikoff has tools like Autopay, which make on-time payments a breeze.
No. The Kikoff plans1 are exclusively for building and monitoring credit. Kikoff offers a secured card3, but it is a separate service available to our Premium and Ultimate users1.
You do not get money back after completing your Kikoff Credit Service1 plan, it is not a credit builder loan.
On avg for users with starting credit under 600 in a year with on time payments