If you did not receive a phone verification code, please verify that the phone number you are using is mobile, non-VOIP, and can receive SMS. We require a mobile (non-VOIP) phone with SMS for authentication and for communicating important loan update messages as part of our data furnishing agreements with all three major credit bureaus.


If your phone meets the requirements and you still have not received a phone verification code, please make sure the inputted number is correct.


If your non-VOIP mobile phone number with SMS is correctly inputted and you still have not received a verification code, please message customer service at hello@kikoff.com.