The faster way
to build credit

North America's most-loved credit builder.
Sign up in minutes. Plans from $5/month.‍

No credit check

No hidden fees

No interest

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A safer way to build credit quickly

We help you establish positive payment history and lower utilization, both important factors in calculating your credit score.

Learn more

No credit checks

Plans start at $5/month

Less than Borrowell & Koho,
with no hidden fees or interest¹

Get Started

Easy & automatic

Build credit with consistent, on-time payments. Opt into Autopay & never worry about due dates.

1

Build credit with consistent, on-time payments. Opt into Autopay & never worry about due dates.

2

Build credit with consistent, on-time payments. Opt into Autopay & never worry about due dates.

3

Build credit with consistent, on-time payments. Opt into Autopay & never worry about due dates.

Score big & track your progress

Kikoff can help accelerate your growth & track your progress, all in one place. Get weekly reports, key insights, & more¹ to help you own your journey as your credit evolves.

North America's #1 Credit Builder

Built for Canadians, by Canadians.

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Trusted by over 1 million credit builders worldwide

Don’t just take our word for it.

Just ask the internet.

As reviewed on

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!”

@seph.selle

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

@ian_the_1

"I started with no credit score at all and within one month you guys got it up to 620. Thanks guys!"

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!"

Lorri Warf

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