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
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.2
Plans & Pricing
Basic, $5/mo. Our most popular plan. $750 reported Kikoff tradeline, reporting to Equifax, Experian and TransUnion, weekly credit report, rent reporting to Equifax and TransUnion, tools, tracking and insights, plus bank-level security and support.
Premium, $20/mo. The best value. All the perks of Basic, plus a $2,500 reported Kikoff tradeline, bill reporting, and spending tracking and management.
Ultimate, $35/mo. Our most powerful plan. All the perks of Basic and Premium, plus a $3,500 reported Kikoff tradeline, $1M identity theft insurance, and personal data protection.
How It Works
1. Purchase on Groupon After checkout, you'll receive a unique redemption code by email or on your Groupon voucher.
2. 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.
3. Choose Your Plan Select the Basic, Premium, or Ultimate plan that makes the most sense for you.
4. Create Your Account Sign up and complete the identification process required to open an account.
5. 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.
6. Open Your Account You'll see a confirmation on screen and receive an email once your discount has been applied.
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.