1.25M+
Active users
Established credit bureau reporting relationships
Enterprise-grade infrastructure
Live in as little as
two weeks

Value for partners

A path from credit invisible to credit ready.
Kikoff users provably go from credit-invisible into a qualified applicant.
Any industry, one brand.
The Kikoff product suite is offered as a white-labeled solution. Whether you're a lender, a retailer, or employer it can show up as your benefit offer, not ours.
Builds credit that open doors.
Users get access to a tradeline that raises their credit score by an average of 26 points in the first month to 86 points in the first year.

How does this work?

01
Integrate once.
Connect to Kikoff through a single API. We handle onboarding, testing, and launch support.
02
Embed it natively.
Credit-building lives inside your product. Discovery, enrollment, features—no redirects.
03
We run the infrastructure.
Account mechanics. Servicing. Reporting. Compliance. It’s already handled.
04
Your customers build real credit.
Visible progress, measurable improvement.
Let's Build
Let's Build

Real stories.

Real credit wins.

Why Gen Z’s Credit Problem Is Retail’s Next Growth Opportunity

Why Gen Z’s Credit Problem Is Retail’s Next Growth Opportunity

Gen Z represents retail's fastest-growing audience, yet millions are credit invisible, turning checkout into a dead end for both customers and businesses. Here, we'll explore how embedded credit building can help retailers convert declines into long-term loyalty.

Read case study

The Perks of Partnering

Partnering with us means you focus on what you do best and let us do the building. We offer our full, customizable functionality under your native brand experience for fast, frictionless integration.

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