Kikoff Credit Account
Best Low-Cost RevolvingKikoff
4.3
0.00%–0.00% APR$750–$750Fee: $5/month subscription; no interestMin credit: 0+
APR Range
0.00%–0.00%
Loan Amount
$750–$750
Term
1–12 mo
Origination Fee
$5/month subscription; no interest
Our take
The lowest-cost credit builder on the market — $5/month flat, no interest, no deposit. Kikoff gives you a $750 revolving store credit line and reports on-time payments to all 3 bureaus monthly. Ideal as a second tradeline alongside an installment account like Self or Credit Strong.
Is this right for you?
Sign up (free) and we'll tell you if this loan fits your specific budget and goals.
Check my fit →Takes 2 minutes · No credit check
Full details
| Minimum loan amount | $750 |
| Maximum loan amount | $750 |
| Lowest APR | 0.00% |
| Highest APR | 0.00% |
| Shortest term | 1 months |
| Longest term | 12 months |
| Origination fee | $5/month subscription; no interest |
| Minimum credit score | 0+ |
| Funding speed | Immediate revolving credit access |
Frequently asked questions
What is the APR range for Kikoff Credit Account?
Kikoff Credit Account offers APR from 0.00% to 0.00%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Kikoff Credit Account?
Loan amounts range from $750 to $750. The amount you qualify for depends on your income, credit score, and existing debt.
Does Kikoff Credit Account charge an origination fee?
Yes, Kikoff Credit Account charges an origination fee of $5/month subscription; no interest. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Kikoff Credit Account?
Kikoff Credit Account typically funds loans within Immediate revolving credit access. Actual funding time may vary based on verification requirements and your bank.
Is Kikoff Credit Account worth it?
The lowest-cost credit builder on the market — $5/month flat, no interest, no deposit. Kikoff gives you a $750 revolving store credit line and reports on-time payments to all 3 bureaus monthly. Ideal as a second tradeline alongside an installment account like Self or Credit Strong.
Related guides
Verified Mar 2026
Kikoff Credit Account