Build
Credit

& Earn Rewards

Build Credit & Earn Rewards for a car, for a house, for my future
Checkmark

No credit check

Checkmark

Instant approval

Checkmark

0% APR / $0 fees

Checkmark

Earn 1% on loans

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Build
Credit

& Earn Rewards

Build Credit & Earn Rewards for a car, for a house, for my future
Checkmark

No credit check

Checkmark

Instant approval

Checkmark

0% APR / $0 fees

Checkmark

Earn 1% on loans

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Build
Credit

& Earn Rewards

Build Credit & Earn Rewards for a car, for a house, for my future
Checkmark

No credit check

Checkmark

Instant approval

Checkmark

0% APR / $0 fees

Checkmark

Earn 1% on loans

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Build Credit

& Earn Rewards

Build Credit & Earn Rewards for a car, for a house, for my future
Checkmark

No credit check

Checkmark

Instant approval

Checkmark

Earn 1% on loans

Checkmark

0% APR / $0 fees

Star
Star
Star
Star
Star

4.94 out of 5

99% of reviewers
recommend

Give yourself the credit you deserve

Reach your goals

Reach your goals

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

Save money

Save money

Lower your monthly interest payments when you have a higher credit score.

Get paid

Get paid

Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo. FAQs.

See real impact

See real impact

Your payment performance is reported monthly to Experian® and Equifax®.

Track your score

Track your score

Get your FICO® Score and see your credit score journey progress every month.

(coming soon)

Give yourself the credit you deserve

Reach your goals

Reach your goals

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

Save money

Save money

Lower your monthly interest payments when you have a higher credit score.

Get paid

Get paid

Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo. FAQs.

See real impact

See real impact

Your payment performance is reported monthly to Experian® and Equifax®.

Track your score

Track your score

Get your FICO® Score and see your credit score journey progress every month.

(coming soon)

Give yourself the credit you deserve

Reach your goals

Reach your goals

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

Save money

Save money

Lower your monthly interest payments when you have a higher credit score.

Get paid

Get paid

Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo. FAQs.

See real impact

See real impact

Your payment performance is reported monthly to Experian® and Equifax®.

Track your score

Track your score

Get your FICO® Score and see your credit score journey progress every month.

(coming soon)

Give yourself the credit you deserve

Reach your goals

Reach your goals

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

Save money

Save money

Lower your monthly interest payments when you have a higher credit score.

Get paid

Get paid

Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo. FAQs.

See real impact

See real impact

Your payment performance is reported monthly to Experian® and Equifax®.

Track your score

Track your score

Get your FICO® Score and see your credit score journey progress every month.

(coming soon)

  • 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

How It Works

1

Build
with Installments

Build with Kovo Installments

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

Payment performance is reported monthly to Experian® and Equifax®.

2

Learn
with Courses

Learn with Kovo Courses

Pick up useful skills.
Find better outcomes.

Get smart in skills that help you succeed in a fast-changing world.

3

Earn
with Rewards

Earn with Kovo Rewards

1% back on loan offers.
Up to $1,225.

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

How It Works

1

Build
with Installments

Build with Kovo Installments

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

Payment performance is reported monthly to Experian® and Equifax®.

2

Learn
with Courses

Learn with Kovo Courses

Pick up useful skills.
Find better outcomes.

Get smart in skills that help you succeed in a fast-changing world.

3

Earn
with Rewards

Earn with Kovo Rewards

1% back on loan offers.
Up to $1,225.

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

How It Works

1

Build
with Installments

Build with Kovo Installments

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

Payment performance is reported monthly to Experian® and Equifax®.

2

Learn
with Courses

Learn with Kovo Courses

Pick up useful skills.
Find better outcomes.

Get smart in skills that help you succeed in a fast-changing world.

3

Earn
with Rewards

Earn with Kovo Rewards

1% back on loan offers.
Up to $1,225.

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

Ready to Build Credit?

Ready to
Build Credit?

Ready to
Build Credit?

Questions

How does credit building work?

What are Courses?

Is there a return policy?

Are there any fees?

Is there a credit check?

Does Kovo report to credit bureaus?

When will I see results?

Questions

How does credit building work?

What are Courses?

Is there a return policy?

Are there any fees?

Is there a credit check?

Does Kovo report to credit bureaus?

When will I see results?

Questions

How does credit building work?

What are Courses?

Is there a return policy?

Are there any fees?

Is there a credit check?

Does Kovo report to credit bureaus?

When will I see results?

© 2022 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.


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, since credit scores are independently determined by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations.

© 2022 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.


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, since credit scores are independently determined by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations.

© 2022 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.


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, since credit scores are independently determined by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations.