Help Center

Frequent 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?

Kovo Installment Plan

How does my payment performance factor in my credit report?

What happens if I miss a payment?

How do I make a payment?

Can I skip a payment?

Can I set up auto-pay?

Is it a contract?

Is there a fee for closing my account early?

How can I update the payment method on my account?

How can I cancel my account?

Kovo Rewards

What are Rewards?

How do Rewards work?

When can I earn Rewards?

Who can access Rewards?

© 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.