Kikoff: Build Credit Quickly

1.184.3414

Kikoff Inc.

4.83

131,750 reviews

5,000,000+
Downloads

Free

Build your credit fast with no credit check, interest, or hidden fees.

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4.83 · 131,750 reviews · 5,000,000+ downloads · #35 in Finance

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Pros & Cons

No credit check required to start building credit
Monthly reporting to Equifax, Experian, and TransUnion builds a verifiable payment history
Low-utilization tradelines help manage credit utilization while you grow
AutoPay option for hands-off credit building and optional Rent Reporting with Premium

Plans require ongoing monthly payments (Basic $5/month or Premium $20/month) unlike some free alternatives
Primarily focused on credit-building through tradelines, with fewer broad card/loan offers than some competitors
Extensive permissions and data access typical for financial apps—review privacy and terms before use

About Kikoff: Build Credit Quickly

Kikoff: Build Credit Quickly is a finance app developed by Kikoff Inc..

Download Statistics

Kikoff: Build Credit Quickly has been downloaded 5.6 million times. In the last 30 days, the app was downloaded 99 thousand times. It is ranked in the top 100 finance apps.

User Ratings

Kikoff: Build Credit Quickly is rated 4.83 out of 5 stars. The rating is based on 130 thousand ratings.

App Information

Kikoff: Build Credit Quickly is FREE to download. The APK download size is 136.71 MB. The latest version available is 1.184.3414. The last update was on September 17, 2026.

Technical Requirements

Kikoff: Build Credit Quickly requires Android 6.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play since April 2021.

Description

Kikoff is the smartest way to build credit fast.

Starting under 600? You could jump 25 points your first month.*
Pick a plan, starting at just $5 a month.†

Make your first payment - and Kikoff starts reporting to all 3 bureaus (Equifax, Experian, and TransUnion) - which can result in a serious credit improvement.
Kikoff works by giving you access to a specialized credit line‡ - designed exclusively to help build your credit. Kikoff uses your monthly payments to strengthen key credit factors - like payment history and utilization - that can determine over half of your credit health.

In addition to building credit, Kikoff is the #1 app for monitoring your credit score. Quickly monitor your credit score at each of the 3 bureaus, and easily dispute credit errors in app at the press of a button.

Build your credit further using Kikoff’s rent reporting and bill reporting features, which let you build credit with the rent and utilities you already pay.

Kikoff's Premium and Ultimate plans can unlock even more features, such as identity theft insurance (up to $1 million), and higher tradelines (up to $3500)‡.

Best of all? No credit checks, no interest, and no hidden fees.

Kikoff is the #1 credit builder on the App Store§ for a reason. After all - it's helped over a million people win at credit.

Get started today.

• Average first-month credit score impact of +25 points (VantageScore 3.0) between Jan-2024 & Nov-2024 for Kikoff Credit Account users who started with a score below 600; who purchased at least one item with Credit Account; and who paid one on-time in their first month. Late payments may negatively impact your credit score. Individual results may vary.

†Kikoff Credit Service starts at $5/mo for 12 mos.

‡Subject to approval. Reported tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).

§Based on Oct 2024 App Store ranking of credit builders in the "Finance" chart.

Kikoff Inc. PO Box 40070, Reno, NV 89504

Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated.

Recent changes:
We’re hard at work making sure Kikoff is the best credit-building companion for you.

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More data about Kikoff: Build Credit Quickly

Price	Free to download
Total downloads	5.6 million
Recent downloads	99 thousand
Rating	4.83 based on 130 thousand ratings
Ranking	Highly ranked
Version	1.184.3414
APK size	136.7 MB
Number of libraries	49
Designed for Android	6.0+
Suitable for	Everyone
Ads	NO ads

App Performance Report

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Kikoff: Build Credit Quickly

Kikoff Inc.

4.9

Free

270.5K ratings

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120K

4.7K

960

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3.6K

Downloads over time

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Kikoff: Build Credit Quickly has been downloaded 5.6 million times. Over the past 30 days, it averaged 3.3 thousand downloads per day.

Changelog of Kikoff: Build Credit Quickly

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Developer information for Kikoff Inc.

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Comments on Kikoff: Build Credit Quickly for Android

★★★★★ Ketia Gilliard · Sep 23, 2026

Kickoff has really helped me build my credit in many ways with the debit cards and savings account.

★★★★★ Russ Banta · Sep 6, 2026

This app has been a life changer helping me with my credit score

★★★★★ QuT Pye · Sep 17, 2026

I Appreciate Kickoff...!!! But I was told by a small car dealership that Kickoff is Not Real Credit... and my score is actually lower I Pray that's Not True???

★☆☆☆☆ Pat Vitko · Sep 18, 2026

I downloaded the app one day while looking to get a better score. Sometimes my attention to anything tends to be short-lived. Anyway I guess I began setting up an account and never opened the app again after the initial set up. A few months later I see a new collection on my credit report from none other than the helpful credit company KICKOFF. Beware, they want that $5 per month for nothing and will take it to collections so cancel or better yet don't bother dealing with them

★★☆☆☆ April Fonseca · Sep 12, 2026

It says they give you a line of credit that is true but not like you think. They let you pay for them to monitor your credit in payments, and they report as a loan. You score actually goes way down. It slowly. Gets back to the score you had before you got their line of credit to purchase this app. oh and they charge you anywhere from $1 to $2 to process your payments even for the money that goes into your savings account. your score doesn't get better, and you pay them for nothing

Google Play Rankings for Kikoff: Build Credit Quickly

Top rankings

Rank	Country	Category	List
35	United States	Finance	Top Free

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Ranking history in United States

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Technologies used by Kikoff: Build Credit Quickly

43 permissions · 49 libraries

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Frequently asked questions about Kikoff: Build Credit Quickly

Is Kikoff: Build Credit Quickly free?

Yes. Kikoff: Build Credit Quickly is free to download from Google Play.

Is Kikoff: Build Credit Quickly still available?

Yes. Kikoff: Build Credit Quickly is on Google Play, and the last update we saw was on September 17, 2026.

Does Kikoff: Build Credit Quickly contain ads?

No. Google Play does not list Kikoff: Build Credit Quickly as containing ads.

What Android version does Kikoff: Build Credit Quickly require?

Kikoff: Build Credit Quickly runs on Android 6.0 and higher.

How large is the Kikoff: Build Credit Quickly APK?

The Kikoff: Build Credit Quickly APK is 136.71 MB.

Is Kikoff: Build Credit Quickly suitable for children?

Google Play rates the content of Kikoff: Build Credit Quickly as suitable for everyone.

How many times has Kikoff: Build Credit Quickly been downloaded?

Google Play lists 5,000,000+ downloads for Kikoff: Build Credit Quickly.

How do people rate Kikoff: Build Credit Quickly?

Kikoff: Build Credit Quickly scores 4.83 out of 5 stars, from 131,750 ratings on Google Play.

Who made Kikoff: Build Credit Quickly?

Kikoff: Build Credit Quickly was developed by Kikoff Inc.. It is listed in the finance category on Google Play.

What are the best alternatives to Kikoff: Build Credit Quickly?

People looking at Kikoff: Build Credit Quickly also look at these finance apps: Pave - Build Credit, Kovo - Build Credit Fast, Ready Loans - Fast Mobile Loan, myEquifax, WalletHub Credit Builder.

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Kikoff: Build Credit Quickly

Build your credit fast with no credit check, interest, or hidden fees.

Pros & Cons

About Kikoff: Build Credit Quickly

Download Statistics

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Technical Requirements

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Changelog of Kikoff: Build Credit Quickly

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Google Play Rankings for Kikoff: Build Credit Quickly

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Ranking history in United States

Technologies used by Kikoff: Build Credit Quickly

Frequently asked questions about Kikoff: Build Credit Quickly

Is Kikoff: Build Credit Quickly free?

Is Kikoff: Build Credit Quickly still available?

Does Kikoff: Build Credit Quickly contain ads?

What Android version does Kikoff: Build Credit Quickly require?

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