Kikoff is a free credit builder with the goal of making credit building as simple and accessible as possible. 

Kikoff does this by giving you a microloan with 0-interest and 0-fees. The loan is paid back in monthly payments over 12 months. Even better, Kikoff can store your loan in a digital wallet for you, so you don’t have to worry about setting money aside. Just log in and click ‘pay’ every month and we’ll report it for you.

Think of Kikoff like watering a plant. As long as you remember to do so regularly, it will grow.