Background

Build Credit

with Rewards

Reach Your Goals
Checkmark

No credit check

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Instant decision

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No hidden fees

Checkmark

All 4 bureaus

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Background

Build Credit

with Rewards

Reach Your Goals
Checkmark

No credit check

Checkmark

No hidden fees

Checkmark

Instant decision

Checkmark

All 4 bureaus

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Background

Build Credit

with Rewards

Reach Your Goals
Checkmark

No credit check

Checkmark

No hidden fees

Checkmark

Instant decision

Checkmark

All 4 bureaus

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Background

Build Credit

with Rewards

Reach Your Goals
Checkmark

No credit check

Checkmark

No hidden fees

Checkmark

Instant decision

Checkmark

All 4 bureaus

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Build Credit

Build
Credit

Build Credit

Build Credit

Give Yourself The Credit You Deserve

Impact all bureaus

All Credit Bureaus

Your payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

Build your score

FICO® Score

Track your FICO® Score, the score most widely used by 90% of top lenders.

Stay safe

Credit Protection

Protect the credit you're building from identity theft and data breaches.

Get rewarded

Credit Rewards

Earn up to $1,225 in rewards. Get 1% back for loans and up to $75 for credit cards. FAQs.

Reach your goals

Credit Journey

Better credit makes owning a car and home possible, with higher odds for approval.

Save on interest

Lower Interest

Lower your monthly payments with better rates when you have a higher credit score.

Give Yourself The Credit You Deserve

Impact all bureaus

All Credit Bureaus

Your payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

Build your score

FICO® Score

Track your FICO® Score, the score most widely used by 90% of top lenders.

Stay safe

Credit Protection

Protect the credit you're building from identity theft and data breaches.

Get rewarded

Credit Rewards

Earn up to $1,225 in rewards. Get 1% back for loans and up to $75 for credit cards. FAQs.

Reach your goals

Credit Journey

Better credit makes owning a car and home possible, with higher odds for approval.

Save on interest

Lower Interest

Lower your monthly payments with better rates when you have a higher credit score.

Give Yourself The Credit You Deserve

Impact all bureaus

All Credit Bureaus

Your payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

Build your score

FICO® Score

Track your FICO® Score, the score most widely used by 90% of top lenders.

Stay safe

Credit Protection

Protect the credit you're building from identity theft and data breaches.

Get rewarded

Credit Rewards

Earn up to $1,225 in rewards. Get 1% back for loans and up to $75 for credit cards. FAQs.

Reach your goals

Credit Journey

Better credit makes owning a car and home possible, with higher odds for approval.

Save on interest

Lower Interest

Lower your monthly payments with better rates when you have a higher credit score.

Give Yourself The Credit You Deserve

Impact all bureaus

All Credit Bureaus

Your payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

Build your score

FICO® Score

Track your FICO® Score, the score most widely used by 90% of top lenders.

Stay safe

Credit Protection

Protect the credit you're building from identity theft and data breaches.

Get rewarded

Credit Rewards

Earn up to $1,225 in rewards. Get 1% back for loans and up to $75 for credit cards. FAQs.

Reach your goals

Credit Journey

Better credit makes owning a car and home possible, with higher odds for approval.

Save on interest

Lower Interest

Lower your monthly payments with better rates when you have a higher credit score.

  • LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!

    Erick L

    Chicago, IL

    Star
    Star
    Star
    Star
    Star
  • I’m glad you guys chose to help me and I love Kovo Thanks for everything 💯

    Anettra S

    Detroit, MI

    Star
    Star
    Star
    Star
    Star
  • Small installments…easy peasy!

    Drayton H

    New Orleans, LA

    Star
    Star
    Star
    Star
    Star
  • Because of kovo my credit score went from poor to outstanding and I’m very great full for that 👍🏻

    Dianne W

    Orlando, FL

    Star
    Star
    Star
    Star
    Star
  • The best, highly recommended 💯%

    Roberto N

    New York, NY

    Star
    Star
    Star
    Star
    Star
  • I can say that kovo has been a great experience so far so good that I'm here long term.

    Pharren G

    Philadelphia, PA

    Star
    Star
    Star
    Star
    Star
  • It’s really straight forward and easy to understand. $10 a month ain’t bad.

    Jose C

    Chicago, IL

    Star
    Star
    Star
    Star
    Star
  • It helps in getting your Credit together. I'm glad my family turned me onto this.

    Javanna P

    Charlotte, NC

    Star
    Star
    Star
    Star
    Star
  • Very smart way to increase your credit. You guys are awesome!

    Nooruddin L

    Euless, TX

    Star
    Star
    Star
    Star
    Star

Credit Building Made Simple

How It Works

Apply for Kovo Credit Builder to boost your creditworthiness.

Make timely monthly payments to unlock a better future.

1

Build
Installment Credit

Installment Credit

$10/mo for 24 months.
Reports to all 4 credit bureaus.

Payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

2

Grow
Your Worth

Your Worth

Get personal growth tools and 24mo of ID monitoring.

Stay safe from data breaches with continuous identity monitoring (coming soon).

3

Earn
Cash Rewards

Cash Rewards

Cash in on rewards, up to $1,225.

Get $30 for each friend you refer.

Available to eligible customers with 4 on-time payments. FAQs.

4

Unlock
Credit Boosts

Credit Boosts

Unlock boosts for your credit-building and credit protection.

Available to eligible customers with 4 on-time payments. FAQs.

Credit Building Made Simple

How It Works

Apply for Kovo Credit Builder to boost your creditworthiness.

Make timely monthly payments to unlock a better future.

1

Build
Installment Credit

Installment Credit

$10/mo for 24 months.
Reports to all 4 credit bureaus.

Payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

2

Grow
Your Worth

Your Worth

Get personal growth tools and 24mo of ID monitoring.

Stay safe from data breaches with continuous identity monitoring (coming soon).

3

Earn
Cash Rewards

Cash Rewards

Cash in on rewards, up to $1,225.

Get $30 for each friend you refer.

Available to eligible customers with 4 on-time payments. FAQs.

4

Unlock
Credit Boosts

Credit Boosts

Unlock boosts for your credit-building and credit protection.

Available to eligible customers with 4 on-time payments. FAQs.

Credit Building Made Simple

How It Works

Apply for Kovo Credit Builder to boost your creditworthiness. Make timely monthly payments to unlock a better future.

1

Build
Installment Credit

Installment Credit

$10/mo for 24 months.
Reports to all 4 credit bureaus.

Payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

2

Grow
Your Worth

Your Worth

Get personal growth tools and 24mo of ID monitoring.

Stay safe from data breaches with continuous identity monitoring (coming soon).

3

Earn
Cash Rewards

Cash Rewards

Cash in on rewards, up to $1,225.

Get $30 for each friend you refer.

Available to eligible customers with 4 on-time payments. FAQs.

4

Unlock
Credit Boosts

Credit Boosts

Unlock boosts for your credit-building and credit protection.

Available to eligible customers with 4 on-time payments. FAQs.

Credit Building Made Simple

How It Works

Apply for Kovo Credit Builder to boost your creditworthiness. Make timely monthly payments to unlock a better future.

1

Build
Installment Credit

Installment Credit

$10/mo for 24 months.
Reports to all 4 credit bureaus.

Payment performance is reported to TransUnion®, Equifax®, Experian®, Innovis®.

2

Grow
Your Worth

Your Worth

Get personal growth tools and 24mo of ID monitoring.

Stay safe from data breaches with continuous identity monitoring (coming soon).

3

Earn
Cash Rewards

Cash Rewards

Cash in on rewards, up to $1,225.

Get $30 for each friend you refer.

Available to eligible customers with 4 on-time payments. FAQs.

4

Unlock
Credit Boosts

Credit Boosts

Unlock boosts for your credit-building and credit protection.

Available to eligible customers with 4 on-time payments. FAQs.

Ready to Build Credit?

Ready to Build Credit?

Ready to Build Credit?

Ready to Build Credit?

Common Questions

How does credit building work?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

When will I see results?

Common Questions

How does credit building work?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

When will I see results?

Common Questions

How does credit building work?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

When will I see results?

© 2024 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals.

© 2024 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals.

© 2024 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals.

© 2024 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification.


On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals.