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

How It Works

1

Build
with Installments

Build with Kovo Installments

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

Account activity and 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 $1,075.

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

The credit builder that rewards you

How It Works

1

Build
with Installments

Build with Kovo Installments

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

Account activity and 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 $1,075.

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

The credit builder that rewards you

How It Works

1

Build
with Installments

Build with Kovo Installments

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

Account activity and 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 $1,075.

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

The credit builder that rewards you

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

    Nooruddin L

    Euless, TX

    Star
    Star
    Star
    Star
    Star

Reach your goals

Reach your goals: own a care and home

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

Save money

Save money: lower interest payments

Lower your monthly interest payments when you
have better credit.

Better than free

Better than free: earn 2x what you pay

Earn up to $1,075 in rewards. That’s 4x more value than the cost of Kovo. FAQs.

See real impact

See real impact: account activity reported monthly

Account activity is reported monthly to Experian® and Equifax®.

Reach your goals

Reach your goals: own a care and home

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

Save money

Save money: lower interest payments

Lower your monthly interest payments when you
have better credit.

Better than free

Better than free: earn 2x what you pay

Earn up to $1,075 in rewards. That’s 4x more value than the cost of Kovo. FAQs.

See real impact

See real impact: account activity reported monthly

Account activity is reported monthly to Experian® and Equifax®.

Reach your goals

Reach your goals: own a care and home

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

Save money

Save money: lower interest payments

Lower your monthly interest payments when you
have better credit.

Better than free

Better than free: earn 2x what you pay

Earn up to $1,075 in rewards. That’s 4x more value than the cost of Kovo. FAQs.

See real impact

See real impact: account activity reported monthly

Account activity is reported monthly to Experian® and Equifax®.

Reach your goals

Reach your goals: own a care and home

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

Save money

Save money: lower interest payments

Lower your monthly interest payments when you
have better credit.

Better than free

Better than free: earn 2x what you pay

Earn up to $1,075 in rewards. That’s 4x more value than the cost of Kovo. FAQs.

See real impact

See real impact: account activity reported monthly

Account activity is reported monthly to Experian® and Equifax®.

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?

Ready to Build Credit?

Ready to
Build Credit?

Ready to
Build Credit?

© 2022 Kovo Inc. - a public benefit corporation



There is no hard pull on your credit when applying for and opening an account.


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.


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.


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.