Companies like Kikoff in Canada

Kikoff has credit-building perks, but it's not the only app in Canada that can help you boost your credit score.

Stacie Hurst's headshot
Bethany Hickey's headshot

By

Stacie Hurst

&

Bethany Hickey

Updated

Fact checked

Kikoff offers credit-building solutions in the US and Canada. While some of its products like rent reporting services and a secured card are only available in the US, Canadians can access its credit-building services. Not sure if Kikoff is right for you? Compare these credit-building companies like Kikoff in Canada.

Cash advances like Kikoff

  • Nyble
  • KOHO
  • Woveo

Personal loan like Kikoff

  • Borrowell

Credit card like Kikoff

  • Neo Secured Mastercard

Cash advance apps like Kikoff

Costs Loan Amount Loan Term

Nyble

Nyble logo
Nyble Credit Line
0%
$30 - $250
31 days, extendable
Use code CFIND1J to get 500 extra points and a $5 higher approval. T&Cs apply.
Go to siteView details
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Why we like it

Unlike a Kikoff credit-building loan, which you can't use to pay for everyday expenses, Nyble offers a line of credit you can use for just about anything—all while building your credit by repaying funds responsibly. You can only borrow up to $250, but there are no credit checks or late payment fees to worry about.

Pros

  • No credit check required
  • No application fee
  • No late payment fee
  • More affordable than payday loans

Cons

  • $11.99 for fast transfers, full credit report and other premium perks
  • Small loan amount only

KOHO

KOHO logo
KOHO Cover
0% + monthly fee from $2
$20 - $250
Flexible
$75$75 REWARD
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Why we like it

Like Kikoff, KOHO credit building comes with 0% interest and doesn't require a credit check. You can withdraw funds from your credit line to cover expenses, and approval is guaranteed even if you have bad credit or no credit history at all.

Pros

  • In-app application with guaranteed approval
  • 0% interest
  • No credit check
  • Lowest-tier monthly plan is free
  • Free financial coaching

Cons

  • KOHO savings account required
  • Some perks only come with a paid monthly plan

Woveo

Woveo logo
Woveo Cash Advance
$0
$500 - $1,500
Undisclosed
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Why we like it

Woveo puts a fresh spin on credit building, allowing you to pool money with family and friends and borrow funds rotationally with zero interest. Repayments are reported to Canadian credit bureaus, helping you strengthen your credit score. Woveo is relatively new and has limited reviews, but it's available on both Google Play and the Apple App Store.

Pros

  • Pool up to $1,500 with friends and family
  • Available for Android and iOS devices
  • No interest charges

Cons

  • Requires a Premium plan for $10/month
  • Small amounts only
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Personal loan like Kikoff

APR Range Loan Amount Loan Term

Borrowell

Borrowell logo
Borrowell Credit Builder Loan
0% - 26.46%
Up to $2,990
36 months
View details
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Why we like it

With a free Borrowell account, you can sign up for a secured installment credit builder loan and track your credit score. Make payments for 36 months, and receive a lump sum when the repayment period is over. As your score improves, Borrowell will recommend loans and credit cards you might qualify for from its network of more than 75 financial partners.

Pros

  • Free to sign up and track your credit score
  • No hard credit check
  • Cancel any time without penalty

Cons

  • Existing credit history required
  • Only reports to Equifax (not TransUnion)
  • You must make payments for 36 months to receive a lump sum
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Credit card like Kikoff

Welcome Offer Rewards Annual Fee

Neo Secured Mastercard

Neo Secured Mastercard image
Neo Secured Mastercard
N/A
Average of 5% cash back
$95.88
Go to siteView details
Compare product selection

Why we like it

Kikoff offers a secured credit card to US customers only, but in Canada, the Neo Secured Mastercard is a great alternative. Approval is guaranteed, and there's no credit check required. International IDs are accepted, so newcomers to Canada will find it easy to apply. Deposit anywhere from $50 to $10,000 and start using your card to make everyday purchases.

Pros

  • Easy approval
  • No hard credit check
  • Adjustable limit (start with as little as $50)
  • Cash back on your purchases

Cons

  • Costs $95.88/year (or more for optional Premium perks)
  • Deposit required
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How Kikoff compares

Kikoff is a California-based fintech company that offers a range of credit-building products, including credit-builder loans in the US and Canada. For US customers, it also offers a secured card, a revolving line of credit, rent reporting services and dispute tools. While Kikoff offers American users many options to improve their credit scores, Canadian users are much more limited.

Additionally, some of Kikoff’s products don’t report to every major credit bureau. For instance, its Canadian credit-builder service only reports to Equifax (not TransUnion), and rent reporting and dispute tools in the US are only reported to Equifax.

Pros

  • No hard credit check
  • No interest
  • Can improve your Equifax credit score

Cons

  • Costs $10/month
  • Only reports to Equifax
  • Can’t be used to pay for expenses (credit building only)

Bottom line

Several strategies can improve your credit score, and credit-building apps are just one method. Maintaining a low credit card balance, paying your bills on time and keeping your accounts out of collections can all contribute to a better credit score with time and patience.

Learn more about loans & credit repair

Stacie Hurst's headshot
Written by

Associate editor

Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio

Stacie's expertise
Stacie has written 250 Finder guides across topics including:
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Bethany Hickey's headshot
Co-written by

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise
Bethany has written 5 Finder guides across topics including:
  • Personal finance
  • Banking
  • Auto loans
  • Insurance
  • Cryptocurrency and NFTs
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