Give yourself the credit you deserve. Build credit and earn rewards with Kovo.

By signing up to Kovo, you can build your credit easily with small monthly payments.

The ideal alternative to secured credit cards.

Incredible value:
• Your payment performance is reported monthly to Experian®, Equifax®, and MicroBilt®.
• Earn up to $1,075 in rewards. That’s 4x 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.
• Coming soon: free FICO® Score updated every month.

How it works:
1. Build with Installments: pay $10/month over 24 months.
2. Learn with Courses: pick up useful skills.
3. 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

Requirements:

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

Apply online

Available in all 50 states.