A faster way
to build credit
A S S E E N O N
Helping Canadians unlock better credit
Low credit? No credit? New to credit? Whatever your goals, good credit opens doors. Kikoff helps you build credit safely, so you can get more from your score.*
No credit checks
Sign up in minute
Cancel anytime
Plans start at $5/month
Less than Borrowell & Koho—
with no hidden fees or interest. ✝
Easy & automatic
Never worry about due dates with Autopay & build payment history with Equifax when you pay on-time.*
4 Payments
Of 12 Payments
Improve key credit factors fast with Equifax reporting
How Kikoff works
Sign up in minutes* without a credit check
With plans from $5/month, Kikoff won't break the bank—and applying won't hurt your credit.
No hard pulls. No hidden fees. No interest.✝
Start building credit with a reported line
Get access to a specialized $750 tradeline that's reported to Equifax each month. Use it to finance the cost of a Credit Service plan & build key credit factors just by paying what you owe on time.✝
Score more without the maintenance
Kikoff helps you elevate your credit fast, without the legwork. Turn on Autopay for hands-free credit building & tap into an endless toolbox of features.*
Trusted by over 1 million
credit builders worldwide
Don't take our word for it, just ask the internet.
AS REVIEWED ON
"In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!"
“0 in July, 700 in December. Y’all did that.”
"I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!”
"In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiancé, so getting our credit up for our family is everything!"
“I’m in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!”
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Built by Canadians, for Canadians
Born in America. Backed by Silicon Valley's best.