kikoff reviews

Tired of being stuck with a low credit score or having no idea what a credit building app can do for you?

Kikoff is probably one of the best credit building tools for fast results. You can see your credit score increase in as little as 3 months (And see it show up on your credit report in 6 weeks).

Like myself, I needed to establish credit and never understand what bad credit can really do to you.

If you purchase through our partner links, we get paid for the referral at no additional cost to you! For more information, visit my disclosure page.

I luckily started a credit repair business and now review different credit repair software and tools.

In this Kikoff review, I’ll show you the ins and outs of this credit-building app, and how it can help you achieve your financial goals.

So, whether you’re looking to build your credit score quickly, or just want a tool that will help you stay on top of your credit report, this might be the credit repair tool for you.

Kikoff Credit Overview


  • Affordable monthly payments
  • No end date on revolving line of credit
  • 80% of credit score impact
  • No credit check


  • Reports to all three major credit bureaus only if you get both Kikoff products
  • No traditional credit card


Kikoff is a leading provider of credit-building products designed to help you increase your credit score and build your credit history.

Their innovative credit account and credit builder loan is an ideal starting point for anyone looking to establish or improve their credit profile.

This line of credit leverages a variety of financial products and reliable payment history to help you build skills and achieve your financial goals.

Whether you are just getting started or working to bump up your current score, Kikoff offers a range of tools that can help you achieve success.

So if you’re looking for smart ways to build credit, you can definitely leverage this app.

What is Kikoff?

Kikoff is an affordable credit-building tool that offers a variety of financial products to help you improve your credit score.

The app provides a revolving line of credit, so you can make small, manageable payments each month and gradually increase your credit limit over time.

Kikoff also has a credit builder loan which is up to a $500 line of credit and reports to the major credit bureaus.

This can help you improve your credit score quickly and efficiently. 

How Does Kikoff Increase Your Credit Score?

Most credit builder loans will provide you with a loan amount and that’s it. Kikoff will provide you with a suite of credit products that will provide you with financial protection for the future.

How? Not only do they provide you with credit report updates, but the kickoff loan monthly installments can also stay active for as long as you want to pay.

This is a big benefit if you want to establish credit or improve your score in the long term and so you never have to worry about poor credit scores.

Here is how Kikoff makes building credit easier:

Credit Utilization: Kikoff credit account offers a revolving line of credit. This can help you keep your balances low and improve your credit utilization ratio, which is 30% of your credit score.

Payment History: Kikoff’s products report to the major credit bureaus, so you can establish a positive payment history and improve your credit score over time.

Account Age: You can build your account age since there is no end to Kikoff’s line of credit.

Credit Mix: Kikoff offers a variety of credit products, so you can improve your credit mix and diversify your credit portfolio.

How To Get Started Using Kikoff

In order to get started, all you need to do is create an online account and provide your social security number.

Once you’re approved, Kikoff will provide you with a credit line of $500 and you will purchase a financial product from the Kikoff store (You’ll also need to link your bank account through Plaid).

Most people start off with their $24 loan which you will need to pay $2 per month and set up autopay (In order to get approved since there is no credit check).

Side note: I chose the $2/month installment loan as well and it actually shows up on my credit report!

Important: Make sure to download the app on the apple or google play store.

Who Created Kikoff?

The co-founders of Kikoff are Cynthia Chen and Christophe Chong, two financial experts that saw the need for a credit-building platform that was affordable, reliable, and simple to use.

Whether you’re looking to build or improve your credit score, Kikoff is definitely worth considering.

With flexible payment options and no end date on your line of credit, it’s easy to see why thousands of people have started using this financial tool.

The co-founders envisioned an app that could provide financial literacy to the users and help them make smarter decisions with their money. 

How Much Does Kikoff Cost?

Kikoff is only $2 per month, making it one of the most affordable credit-building tools on the market.

There are no hidden fees or charges, so you can be sure that you’re getting your money’s worth.

Seriously, it’s a personal finance game changer. There is no administration fee or greedy financial institution behind Kikoff.

Here are a few pricing perks:

  • No administrative fees
  • No Annual fees
  • No late fees
  • 0% APR Maximum rate
  • No annual finance change

You’ll need to make sure you are making on-time payments since they report every month to the credit bureaus.

Kikoff Features

Since Kikoff reports to the major credit bureaus and is competing with all other credit builders, they have to offer some unique features to be the best. 

Here are some of Kikoff’s key features:

It never expires: Most credit builder tools have an end date, but this one doesn’t. You can easily setup up autorenewal.

You can keep your account active for as long as you want and continue to build your credit score.

Credit Builder Loan: One of Kikoffs new credit building options is their loan. You can start saving $10 for 12 months.

Mobile App: With the online mobile app, you can easily check your credit score, view products, and receive notifications.

Access To Digital Coaches: Get full access to online courses, personal finance tools, and articles.

Kikoff FAQ

How Can I Cancel Kikoff?

You can contact support and know that when you close your account, your credit score will drop because it will no longer be reported to the credit bureaus.

This is caused by the age of the account, not by your relationship with Kikoff. 

How Long Does Kikoff Take To Appear On My Credit Report

Kikoff can take up to six weeks to reflect on your credit report and this is what I have also noticed on my own report.

At least you can feel comfortable knowing that you’re making timely payments and building your credit score over time.

Does Kikoff Report to all 3 major credit bureaus?

In order to report to all three credit bureaus, you’ll need both products that Kikoff offers.

This would be the monthly credit membership and credit builder loan.

Is Kikoff Legit?

Yes, Kikoff is completely legit and will show up on credit reports as “Kikoff Lending”.

You can also view their reviews online or search for other people’s experiences on YouTube.

Is Kikoff Worth it?

Yes, It’s worth it If you’ve never built your credit score and are starting from scratch. Kikoff is one of the few credit builders that is very affordable.

Kikoff could help you reach your financial goals sooner than later. It’s great a service to promote if you offer credit counseling.

Does Kikoff Have An App?

Yes, they have a mobile app that you can download for free on the App Store or Google Play Store.

The app allows you to access your account, make payments, view your credit score, and more.

Kikoff Alternatives

There are a few Kikoff alternatives that are worth mentioning:

  • Credit Karma
  • Self Credit Builder
  • Nova Credit
  • Experian Boost
  • Sable
  • Extra Debit Card
  • Credit Strong

If you can use more than one, it can be very helpful in building up your credit score.

Final Thoughts

If you’re looking to build your credit score fast, Kikoff is one of the best options on the market.

With affordable pricing and a variety of features, it’s an excellent choice for anyone who wants to improve their financial health.

So what are you waiting for, stop reading this Kikoff review and sign up today!

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Author J Lipsky

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