Kikoff gives you a $500 spending limit that reports monthly to Equifax and Experian. 0% interest, no fees, and no surprises.

We offer instant approvals with no credit check. You can open and manage your account directly from the app.

It's simple to use:

- Sign up for Kikoff, no credit check
- Get instantly approved for our Credit Account with a $500 limit to spend in the Kikoff Store
- Make a purchase from the Kikoff Store to activate the account
- Pay us back $2 / month to build credit with positive payment history

Best of all, there are no fees and 0% interest.

Kikoff helps you build credit by establishing a positive payment history, maintaining low utilization, all with no expiration.

The starting credit limit of $500 makes it easy for you to maintain a low utilization as items inside the Kikoff Store start at only $10.

Kikoff is a financial technology company.

For more information please visit

What’s New

Version 1.13.50

Thank you for using Kikoff! The number one way to build your credit!

This version includes:
* Improved payment method management
* Improved email verification flow

Ratings and Reviews

4.9 out of 5
10.6K Ratings

10.6K Ratings

Evc523 ,

Credit Crusaders 🤓

The creator/s of this app should be given ‘credit’ and dubbed the Credit Crusaders and/or conquerors or ooo Conquests of Credit, nah Concreditors ( e.g. conquistadors) 🤪 haha; these most mindfully and thoughtfully driven people are the ones who not only care about a problem then just talk about it, they turn those intangible thoughts and make them tangibles and obtainable. And what makes me so proud of them is that they knew and know how important credit is, how it’s literally the thing that holds people back in life especially Americans’ lives, which is my only experience to speak on. These Warriors of Wealth Health should be given much praise and recognition for their hand in helping any and all who use this app and like myself already have a better credit score which has opened up many opportunities. You are the best of us and I can’t thank you enough for what you’re ambition has done for me and many others.

BennoBabe ,

Helped me more than I imagined.

I started with 0 credit history. Never had any loans or starter cards or anything. I thought Kikoff might be too good to be true, but over the last year (just one year!), my credit score went up by over 100 points and I now have a very good credit score. My first credit card ever is Apple Card, and I love that I never had to deal with bad interest rates or lack of benefits on a starter card. My improvements since then have been a combination of Kikoff and my cards as well as other financing in order to build more credit history, but I wouldn’t have been able to do any of it if I hadn’t started with Kikoff. DO IT, it honestly helped a ton.

Lemons0740 ,


Obviously you need work on your credit and the time you’ve wasted ignoring the bad credit you could of been making a change with 2 bucks ....heck that’s 5 times the price of your junk coffee and only thing your left with then is a empty cup ...join this program and start going forward and positive it all starts with you oppsed up your credit and you have to fix and use this tool to your benefit and get back on the good road to better credit i gained 45 credit points in my first month 100%FACTS GO AHEAD AND JOIN YOU WILL THANK ME LATER ...take this credit game serious cus the only one who will lose is you ...we all wanna win right ?

App Privacy

The developer, Kikoff, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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    With Family Sharing set up, up to six family members can use this app.

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