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Apps Like Kikoff

Kikoff has various credit-building options, but there are many other apps similar to it.

Kikoff is a fintech company with various credit-building services and products, including credit-building loans, a secured card with 0% APR, dispute tools, rent reporting, and more. While many of its products don’t charge any monthly fees, some don’t report to all three major credit bureaus, and others aren’t very useful outside of building credit.

If Kikoff isn’t the right fit for you, compare these top credit-building app alternatives.

5 alternatives to Kikoff to build credit

Alternative for rent reporting

Self Credit Builder

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on Self's secure site
Read review
FeeFrom $0 per month
Minimum deposit to open$0
The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

Active Credit Builder Account in good standing, 3 on-time payments, $100 or more in savings progress, and satisfy income requirements. Requirements are subject to change.

$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing.

Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible.

Alternative all-in-one finance app

Cleo Credit Builder Card

4.4
★★★★★

Finder score

Go to site Read review
Fee$14.99 per month
Minimum deposit to open$1

Alternative for subscription credit building

Grow Credit

4.5
★★★★★

Finder score

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on Grow Credit's secure site
Read review
FeeFrom $0 per month
Minimum deposit to open$0

Alternative 0% APR secured card

Fizz debit card

4.7
★★★★★

Finder score

Earn 1,000 points ($10 value) when you download the Fizz app and enter code FINDER.
Go to site Read review
APYN/A
FeeFrom $4.17 per month
Minimum deposit to open$150

Alternative credit-building loan

One Credit Builder

Fee$0 per month
Minimum deposit to open$0

How Kikoff compares

Kikoff is a fintech company offering a range of credit-building products, including credit-builder loans, a secured card, a revolving line of credit, rent reporting, and dispute tools. Unlike many apps that provide only one or two credit-building options, Kikoff gives users multiple ways to build credit, making it a solid choice if you’re looking for variety.

That said, some of Kikoff’s products don’t report to all three major credit bureaus. For instance, its rent reporting and dispute tools only report to Equifax, while the credit-builder loan only reports to Equifax and TransUnion. The Kikoff Secured Credit Card is the only product that reports to all three bureaus, and with its 0% APR, it stands out as one of the stronger options if all-around reporting is your priority.

Pros:

  • Lots of credit-building options
  • Secured card with 0% APR, reports to all bureaus
  • No hard credit checks

Cons:

  • Most products only report to Equifax
  • Rent reporting requires premium plan
  • Limited use outside credit building

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.

See more tips on how to build credit, or check out our comprehensive credit-building guide for more credit-boosting options and apps.

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Editor, Banking

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

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Bethany has written 439 Finder guides across topics including:
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