Four products, one monthly payment
There is really only one thing to buy. The Installment Credit Builder is the account you open; the revolving line, the rewards programme and the identity protection are bundled into it at no additional cost.
What each one does, and what it costs
Only the first is something you open. The other three attach to it automatically once your account is active.
Installment Credit BuilderStart here
The foundation. A reported installment tradeline from $200 to $5,000 over 12, 24 or 36 months, at 0% APR with no fees. This is the account you actually open.
Revolving Credit BuilderBundled
A $500 revolving line that rounds out your credit mix and holds utilisation low. Unlocks after your first on-time payments. Usable only within Kovo.
Credit RewardsBundled
Up to $1,225 in gift cards on qualifying partner offers after four on-time payments. A ceiling rather than a typical outcome — we say so on the page.
Credit ProtectionBundled
Up to $1M of ID-fraud cover, dark-web monitoring, credit file alerts and 24/7 resolution support, active from your first payment.
One account, four things happening at once
The sequence below is automatic. There is nothing to activate, upgrade or apply for separately.
You open one account
Choose an amount between $200 and $5,000 and a term of 12, 24 or 36 months. That fixes your monthly payment.
Protection starts
ID-fraud cover, dark-web monitoring and credit file alerts are active from your first payment.
The revolving line unlocks
After your first on-time payments, a $500 revolving account is added and begins reporting alongside the installment one.
Rewards become available
From four on-time payments, qualifying partner offers become claimable. Optional, and worth ignoring if you were not borrowing anyway.
What none of these will do for you
Three limits that apply across the whole range. If any of them is a dealbreaker, a competitor is the better answer and we would rather you found that out here.
Savings-linked builders hold your payments and release them at maturity. We do not. Compare against Self if a payout matters.
No card, no cash disbursement, no purchasing power. A secured card does something none of this can.
We add new positive history. Removing, disputing or settling what is already on your report is separate work. Our rebuilding guide covers it.
Everything above is one product family. Borrowing is the other
The four products above are ours and they build credit. Partner loans put money in your account and are made by somebody else. People arrive assuming these are variations on a theme, and they are not — different counterparty, different money, different risk.
Credit Builder family
Our own products, everything above
Personal loans
Introductions to third-party lenders
These are not competing offers and you are not meant to choose between them on price. One costs nothing and gives you no money; the other gives you money and costs whatever the lender charges. They answer different questions.
Start here if you are not sure which of the two you need
Six situations that cover most of the people who land on this page. Where both would work we say so rather than steering you.
Checking either costs nothing and neither one commits you. The loan check uses a soft pull; the Credit Builder check runs no inquiry at all.
The product range — the questions we get asked
Choose an amount and a term
Everything else attaches automatically. The eligibility check takes about a minute and runs no credit inquiry.
Check your eligibility