Kovo Credit Builder

Give yourself the gift of better credit

Intro Purchase APR


Annual Fee


Rewards Rate

Earn up to 1% back on loans

Credit Needed

Any Credit History

Regular Purchase APR


Credit Brand Other

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Kovo makes credit simple and accessible for everyone. Everyone deserves the chance to build their credit, and our easy-to-use platform makes it quick for you to get started. With Kovo Credit Builder, you can give yourself the gift of better credit. We’re here to help you on your journey to financial freedom!

Sign up to Kovo Credit Builder and build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% back on loans!

  •   Your payment performance is reported monthly to Experian®, Equifax®, Innovise, and MicroBilt®.
  •   Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
  •   Lower your monthly interest payments when you have a higher credit score.
  •   Better credit makes owning a car and home possible, with higher odds for approval.
  •   Get your FICO® Score and see your credit score journey progress every month.

Additional Info

  • Build with Installments: pay $10/month over 24 months.
  • Learn with Courses: pick up useful skills.
  • Earn with Rewards: up to 1% back on eligible loan offers.

Key Features

  •   Flat monthly rate
  •   Instant approval
  •   No credit check / no hard pull
  •   No bank account needed
  •   $0 security deposit
  •   $0 setup/admin fees
  •   $0 annual fees
  •   $0 late fees
  •   $0 prepayment fees
  •   0% APR
  •   Available in all 50 states

To Qualify

  • Must be at least 18 years of age
  • Must have a valid U.S. Social Security Number
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