Kikoff is completely free to use and you do not need to pay back the loan from your personal money. No need to attach your credit card, bank account, or any form of external payment information – we don’t ask for your bank or payment information. 


Where does the money come from? When you activate your Kikoff account, Kikoff provides you with a micro loan. We deposit the loan into your Kikoff Digital Wallet. A digital wallet is simply a place to hold the money – think of it as a Kikoff gift card or store balance.


Since Kikoff is interest-free and fee-free, your digital wallet ensures that you will always have enough money to pay off the loan!


For more information on how to make a payment, please see our ‘How to make a payment’ article