Highlights
Choose from 90-day or one-year credit builder plans, available in Basic, Premium, and Ultimate tiers to suit individual financial goals.
About This Deal
- No Credit Check
- No Interest
- Reports to All 3 Bureaus
Kikoff Credit Builder Plans
Meet the easiest way to build credit fast. Whether credit's been holding you back, you've been denied for a loan, or you're just starting to build credit for the first time, Kikoff makes it simple: sign up in minutes, choose a monthly plan, and pay on time to build credit.¹ No credit check. No interest. No hidden fees. Kikoff reports to all 3 major credit bureaus, so your on-time payments work in your favor.
Read Before Purchasing
Kikoff is not a loan, credit card, membership, or cash advance. It's a monthly plan designed to help build credit with a Kikoff tradeline.¹ This offer is valid for new Kikoff users only and cannot be applied to existing accounts. Limit one code per customer and per account.
Why You Should Grab This Offer
- Real results, fast: Kikoff users with credit under 600 who made on-time payments saw their credit grow by an average of +25 points in their first month, and up to +86 points after their first year.⁴
- No credit check, no interest, no hidden fees: Sign up in minutes without a hard pull on your credit.²
- Reports to all 3 major credit bureaus: Equifax, Experian and TransUnion, so your on-time payments count.
- Build credit hands-free: Opt into Autopay and turn it on or off at any time.
- The #1 credit building app in the App Store: Join millions building credit with Kikoff.⁵
Plans & Pricing
Basic
$5 / month
- $750 reported Kikoff tradeline
- Reporting to Equifax, Experian, and TransUnion
- Weekly credit report
- Rent reporting to Equifax and TransUnion
- Tools, tracking, and insights
- Bank-level security and support
Premium
$20 / month
- All the perks of Basic
- $2,500 reported Kikoff tradeline
- Bill reporting
- Spending tracking and management
Ultimate
$35 / month
- All the perks of Basic and Premium
- $3,500 reported Kikoff tradeline
- $1M identity theft insurance
- Personal data protection
How It Works
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Purchase on Groupon
After checkout, you'll receive a unique redemption code by email or on your Groupon voucher.
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Get the Kikoff App
Download the Kikoff app or go to kikoff.com to get started. Kikoff is available on iOS, Google Play, and web.
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Choose Your Plan
Select the Basic, Premium, or Ultimate plan that makes the most sense for you.
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Create Your Account
Sign up and complete the identification process required to open an account.
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Enter Your Groupon Code at Checkout
On the payment screen, select "add a promo code" next to "Payment method" and enter your unique Groupon code.
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Open Your Account
You'll see a confirmation on screen and receive an email once your discount has been applied.
Important Information
- ¹ Subject to approval. Kikoff tradeline intended for financing the purchase of Kikoff products & services (like your monthly Kikoff plan).
- ² Individual results may vary. Subject to approval & identity verification. Terms and conditions may apply.
- ³ Plans start at $5/month for 12 months, for a total of $60, billed monthly. Features may vary depending on plan (Kikoff Credit Service) purchased. Reported Kikoff tradeline (Kikoff Credit Account) intended exclusively for financing credit-building purchases via the Kikoff Store (principally, the Kikoff Credit Service). Additional terms and conditions may apply. Cancel anytime. Late or missed payments can have a negative impact on your credit. Make on-time payments to maintain account health.
- ⁴ First-month average impact of +25 points for users between Jan-2024 & Nov-2024 who purchased at least one item with Kikoff Credit Account in their first month. Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.
- ⁵ Based on February 2026 App Store ranking of credit builders in the "Finance" chart.
Fine Print
- After your purchase, you will be provided with redemption instructions to activate your membership with Kikoff.
- Kikoff is not a loan, credit card, membership, or cash advance. It's a monthly plan designed to help build credit with a Kikoff tradeline.
- After your purchase, you will be provided with redemption instructions to activate your plan with Kikoff.
- Valid for new Kikoff users only. Not valid for existing users or accounts.
- Limit one code per customer and per account.
- No credit check required to sign up. Subject to approval and identity verification.
- Plans start at $5/month for 12 months. Basic, Premium, and Ultimate plans available.
- Autopay is optional and can be turned on or off at any time.
- Kikoff reports payment activity to all 3 major credit bureaus. Late or missed payments can have a negative impact on your credit.
- Valid online only.
- Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.