No, a micro-loan should not look bad. No lender should fault you for having a small value loan; in fact, it’s a good sign of financial responsibility to have a loan in good standing with on-time payments.


Your credit report is an mix of many different factors:

  • Number of accounts open
  • Length of credit history
  • Credit card utilization
  • Collections
  • Hard inquiries
  • Payment history


Kikoff works because payment history makes up 35% of your credit score. Payment history is all about having on-time payments month-after-month; not about the size of the loan.


Think of it this way, lenders want to see proof that you’re able to pay a monthly bill consistently over a period of time, and the more times you do that, the better you look. Kikoff makes this easy by making your payment small.