A faster way
to build credit

North America's top credit builder. Plans from $5/month ^✝

No credit check

No hidden fees

Average 28 point increase after two months of Kikoff¹

No interest

_{A S S E E N O N}

First 3-month credit score impact of +36 points based on observed changes in Equifax Risk Score 2.0 for Kikoff users with starting credit below 660 who made at least one purchase with Kikoff Credit Account & one-on-time payment between Jul-2024 & Oct-2024. Late payments may negatively impact your credit score. Individual results may vary.

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.*

Learn more

No credit checks

Plans start at $5/month

_{Less than Borrowell & Koho—
with no hidden fees or interest.}^✝

Get Started

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

Build payment history with Equifax*

Lower utilization with a $750 tradeline^✝

Grow average account age & more

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.^✝

Get Started

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.*

Build credit & track key insights

Specialized line of credit reported to Equifax

Monitor problem accounts

[data-wf-bgvideo-fallback-img] { display: none; } @media (prefers-reduced-motion: reduce) { [data-wf-bgvideo-fallback-img] { position: absolute; z-index: -100; display: inline-block; height: 100%; width: 100%; object-fit: cover; } }

Trusted by over 1 million
credit builders worldwide

Don't take our word for it, just ask the internet.

AS REVIEWED ON

Desiree F.

"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!"

@seph.selle

“0 in July, 700 in December. Y’all did that.”

Timothy L.

"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!”

Desiree F.

"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!"

Nathan C.

“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!”

Lorri Warf

Short description can be added here