Kikoff Credit Builder Loan
Kikoff Credit Builder Loan
in Personal Loans from Kikoff Inc

Kikoff Credit Builder Loan

in Personal Loans from Kikoff Inc
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APR  (Fixed APR) 0%
(Verified 08/04/2023)
Loan Amount N/A
Loan Term (Months) N/A

Kikoff Credit Builder Loan Review

Kikoff Credit Builder Loan is offered by Kikoff, a financial services company founded in 2019 and based in San Franciso, CA. Kikoff Credit Builder are available in 50 states (and Washington, DC).

Key Takeaways

  • APRs starting at 0%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Kikoff Credit Builder Loan are on the lower end of the spectrum.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Kikoff Credit Builder Loan early.

Kikoff Credit Builder Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • Charges an origination fee.
  • Does not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee

Kikoff Credit Builder FAQ

What interest rates and personal loan terms does Kikoff Credit Builder offer?

Kikoff Credit Builder has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Kikoff Credit Builder offer?

Kikoff Credit Builder offers a fixed APR personal loan product of 0%.

Kikoff Credit Builder Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term N/A
APR 0%

What fees does Kikoff Credit Builder charge?

Does Kikoff Credit Builder charge an origination fee?

Kikoff Credit Builder may charge a personal loan origination fee.

Does Kikoff Credit Builder charge a late fee?

No, Kikoff Credit Builder will not charge you a late fee if you miss one of the monthly payments.

Does Kikoff Credit Builder charge prepayment fees?

No, Kikoff Credit Builder does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Kikoff Credit Builder Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Kikoff Credit Builder Loan?

Kikoff Credit Builder Loan does not require or does not disclose a credit score minimum.

Kikoff Credit Builder Loan does not have or does not disclose a minimum annual income eligibility requirement. Kikoff Credit Builder Loan only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Kikoff Credit Builder Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Kikoff Credit Builder Loan.

Kikoff Credit Builder Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
Credit Score N/A

Does Kikoff Credit Builder Loan report your account activity to credit bureaus?

Yes, Kikoff Credit Builder Loan reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Are Kikoff Credit Builder Loan legit?

Kikoff Credit Builder Loan was founded in 2019. It is an established company that has been in business for 4 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

About Kikoff Credit Builder Loan


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
  • Tax Returns
Credit Bureau Reporting
  • Experian
  • Equifax
Payment Options
  • Automatic Payments
  • Credit/Debit Card
  • Bank Transfer
  • Apple Pay
APR Type Fixed APR
APR (Fixed APR) 0%
(Verified 08/04/2023)

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