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Kikoff - Build Credit Quickly
Kikoff - Build Credit Quickly Vs. Self – Credit Builder & Cash

Kikoff - Build Credit Quickly vs Self – Credit Builder & Cash Usage & Stats

If you’re ready to build your credit, Kikoff is the fastest, smartest, and easiest way to do it. Kikoff customers who make on-time payments see improvements of their credit score by 58 points, on average.* Sign up for Kikoff Basic plan for just $5/month or Premium plan for $20/month. You’ll get a credit line reported to Equifax, Experian, and TransUnion** every month. Each on-time payment builds payment history, which helps your credit! Whether you have a low credit or no credit, we make it easy and worry-free – no credit check required and it only takes a few minutes to apply. How it works: 1. We lower your credit utilization with a $750 or a $2,500 tradeline. 2. You make a purchase with that tradeline (limited to Kikoff), and you just pay back what you spend (our lowest + most popular payment amount is $5/month). We report those payments to Equifax, Experian, and TransUnion every month while your utilization rate stays low. 3. You have the option to put your credit building on autopilot by turning on AutoPay – that’s right, no heavy lifting required from you after account setup. 4. We flag errors on your report. Also, users with Premium Credit Service account can sign up to Rent Reporting to have their rent payments reported. Kikoff helps you build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest. *Credit Score Increase: Based on Kikoff customers who start with 600 or below credit. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022. **Which bureaus are reported to depends upon which Kikoff products you have. Kikoff Credit Account and Secured Credit Card reports to Equifax, Experian, and TransUnion. Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated. *** Credit Card services offered through Bankrate, LLC NMLS ID# 1427381 *** Loan services offered through Moneylion Technology Inc. NMLS ID# 1475872 *** Auto loan providers offered through Caribou Financial Inc. NMLS# 1746612, RefiJet., and OpenRoad Lending, LLC NMLS#710945 **PERSONAL LOAN INTEREST AND FEES are available to see on Kikoff’s marketplace from third party advertisers, from which Kikoff receives compensation. The offers you see on the Kikoff Marketplace have rates from 6.99% APR to 35.99% APR with terms from 1 month to 84 months. Rates are subject to change without notice and are controlled by our third party advertisers, not Kikoff. Depending on the specific lender, other fees may apply, such as origination fees or late payment fees. See the particular lenders terms and conditions for additional details. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts. PERSONAL-LOAN REPAYMENT EXAMPLE. The following example assumes a $10,000 auto-loan with a 5 year (60 month) term. For APRs ranging from 6.99% - 35.99%, monthly payments would range from $198 to $361. Assuming all of the 60 monthly payments are made on-time, the total amount would range from $11,878 to $21,676. Kikoff Privacy Policy: https://kikoff.com/privacy-policy.pdf

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Self – Credit Builder & Cash

Self helps you create healthy financial habits with tools to build credit and grow your savings. Or need funds fast? Self Cash gives you quick access to money for unexpected expenses. Whether you’re starting fresh or rebuilding, Self empowers your financial wellness and puts you in control. All credit scores are welcome. GET A CASH ADVANCE - Qualify for up to $100† - See offers in less than 5 minutes - No credit check, no impact to your score - No hidden fees, no monthly charges THE SECURED CARD WITH NO CREDIT CHECK - Add the secured Self Visa® Credit Card* to your toolkit - No credit check required - High approval rates - Control your credit limit - Build credit with all 3 credit bureaus - Use everywhere Visa is accepted in the US BUILD CREDIT & SAVINGS TOGETHER - Lift your credit score by 47 points, on average‡ - Plans start at $25/mo.§ - Unlock your savings at the end, minus interest and fees - No credit score req. - No credit check REPORT YOUR RENT PAYMENTS AT NO EXTRA COST - Increase your credit score at no cost‖ - Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion - No hard pull, no credit check - No credit card required - Establish positive payment history — credit score’s #1 factor¶ - Track credit score with VantageScore 3.0¹ - Self’s fastest way to build credit² GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE - Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.³ - Add up to 5 payments to your TransUnion credit report each month - Credit monitoring by TransUnion - Cancel any time DISCLOSURES *The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC. Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change. $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval. ‡Based on a 2025 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2024 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time. §Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $511 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing. †Self Cash is offered in the Self app only, bank account connection via Plaid and associated debit card required, not offered in all states. Fees apply for expedited disbursement. Cash advance amounts vary based on eligibility and may change periodically; no guarantee of offer. Average offer $60, as of Q2 2025. ‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details. ¶See https://www.ficoscore.com/education#WhatYour ¹Credit scores only available to customers our 3rd party vendor is able to validate. ²Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report. ³Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion. Self Financial, Inc. PO Box 11, Southlake, TX 76092-9998