Kovo Credit Builder + Rewards
July 29, 2025
More About Kovo Credit Builder + Rewards
No credit check. No fees. Instant decision. All 4 bureaus.
WHY BUILD CREDIT?
- Better credit makes owning a car and home possible, with higher odds for approval.
- Lower your monthly payments with better rates when you have a higher credit score.
KOVO MAKES CREDIT BUILDING SIMPLE
- Apply for Kovo Credit Builder to boost your creditworthiness.
- Make timely monthly payments to unlock a better future.
HOW IT WORKS
1. BUILD YOUR CREDIT WITH ALL 4 BUREAUS
- Start with Installment Credit Builder: $10/mo for 24 months.
- Account is reported to all 4 credit bureaus: TransUnion®, Equifax®, Experian®, Innovis®.
2. GROW YOUR WORTH
- Build and track your FICO® Score, the score most widely used by 90% of top lenders.
- Get monthly updates with personalized tips on how to improve your score even more.
- Get personal growth tools and 24 months of credit protection.
- Continuous ID Monitoring keeps you safe from data breaches.
3. EARN CASH REWARDS
- Get $30 for each friend you refer, with unlimited earnings potential.
- Earn up to $1,225 in credit rewards: 1% back on loans and up to $75 on credit cards. Available to eligible customers with 4 on-time payments.
4. UNLOCK CREDIT BOOSTS
- Eligible customers with 4 on-time payments unlock access to credit boosts for additional credit building and credit protection. Start with $10/mo.
- Boost your credit with Revolving Credit Builder: a single-purpose credit line with a $500 limit to use at Kovo. Account is reported to all 4 credit bureaus: TransUnion, Equifax, Experian, Innovis.
- Protect the credit you’re building from identity theft with Maximum Credit Protection: up to $1M ID Fraud Insurance policy and 24/7 ID Theft Resolution services.
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© Kovo Inc. - a public benefit corporation
There is no hard pull on your credit when applying for and opening an account. Approval is subject to instant background verification and income qualification.
On-time payments can have a positive impact on your credit score. Late or non-payment can negatively impact your credit score. Impact on your credit may vary and credit score increase is not guaranteed, since credit scores are calculated by credit bureaus based on many factors, including the financial decisions you make with other financial services organizations. Unique experiences and past performance for individuals do not guarantee future results for other individuals.
ID Fraud Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Refer to Summary of Benefits for coverage terms, conditions, and exclusions: https://kovocredit.com/legal/id-fraud-insurance-summary
Credit rewards are earned when completing offers for credit cards, personal loans, student loans, student loan refinancing, and auto loan refinancing. Loan offers are made by third party lending partners in the Kovo network. Loans offered by third party lenders have rates from 4.07% to 35.99% APR with terms from 1 to 20 years. For example, a $10,000 loan with a 4 year term and rates from 4.07% to 35.99% APR would have monthly payments from $226 to $396; assuming all payments are made on-time, the total paid would range from $10,853 to $18,994. All loan offers require your application and approval by the lender.
Disclosure: Kovo is not affiliated with loan apps, money apps, budgeting apps, credit report apps, Cash App, Credit Karma, Chime, One, Empower, Brigit, MoneyLion, Dave, Cleo, Acorns, EarnIn, Klover, Kikoff, Atlas, Varo, Perpay, Grant, Self, NerdWallet, Dovly, Credit Sesame, Ava, TomoBoost, Grow Credit, Extra, StellarFi, Boom, Build, Grain, Fizz, Credit Strong, Cheese, credit repair, cash advance, paycheck loans, or payday loans.
Terms of Use: https://kovocredit.com/legal/terms
Privacy Policy & Notice: https://kovocredit.com/legal/privacy
Latest Version
1.2.3
July 29, 2025
Kovo
Finance
Android
108,250
Free
com.kovo.mobileapp
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User Reviews
G David Cheatwood
4 months ago
This dark hole of a so-called app is really buried in with the application process. I had address issues roller coasting around until I emailed them. I then went back for another attempt only to discover a message regarding what appeared to be a decision with the typical within the 30 day window. That's pretty much cheap!!!!!!! Not holding my breath.🌬️.. I already was swallowed up by the darkest of holes with this remark. Not my phone,not my oversight,but I just give up. Nothing lost 😕😞..TBD!
K J (KJofTikTok)
1 month ago
Thus far this thing has raised my FICO score by 36 points. I have not added any other credit source to my portfolio. Accordingly, It has to be the reporting from KOVO.
Galen Carter
3 months ago
Took a negative hit on my TransUnion -21 points. Tried to contact customer service via text and didn't get a response. Used my laptop to cancel and they try to make it impossible. Feels like a scam. Use Kikoff
Melissa Cook
3 weeks ago
It is helping me build my credit. My credit was 589 it has went up to 611 since I started using the App.
April Bonilla
2 weeks ago
I'm so excited I found this app. You have made me the happiest mom I can do more things for my kid's and myself and complete more of my goals. Thank you Kovo you guy's rock
P Chitzy
3 months ago
VERY MISLEADING SCUMBAGS It says loan, but it's not a loan. In your contract it doesn't say that they keep your money. They hide as much as possible that they keep your money. Better off getting Varo and their credit card to build credit! Super easy and FREE! Works like a debit card but acts as a credit card!
Seattle Seahawks
4 months ago
MESSED UP FILLING OUT APPLICATION AND GOT DENIED. CONTACTED CUSTOMER SUPPORT AND WAS TOLD ITS RESET. APPLIED AGAIN. STILL GETTING DENIED ERROR MESSAGE WHICH I SHOULDNT GET IF IT WAS REALLY RESET. HOPEFULLY THIS REVIEW WILL MAKE THEM ACTUALLY CONTACT ME AND TRULY RESET MY ACCOUNT SO I CAN APPLY. I WANT TO LIKE THIS APP AND GIVE IT 5 STARS-.BUT CANT WHEN MY APPLICATION HASNT BEEN RESET STILL.
Lashay Cahoon
2 months ago
if I could give less than 1 star I would! everyone is right,you can get these services for free! people use current,score will go up very high! I went from a less than 500 to a over 700 in like 6 months ,these people here are a rip off!
Jesus Fuentes
2 months ago
do not use this app. these people don't care about your credit they just want money. worst experience ever I lost a job and couldn't pay no more so now they want to charge me for a full year like.. don't do it.
Magan Brinson
2 months ago
very deceiving, makes it sound like a secured loan, i needed money and was hoping I could build credit while borrowing it. do better kovo. be more transparent about what you're actually offering.
Sheila Baltimore
3 weeks ago
confused. I was approved for $240 to pay back in monthly installments for 24 months. It told me to pay $10 first installment, but I will not receive any cash loan. How am I approved for a loan for $240, but you say it is not a loan. What am I paying for monthly if I am not getting $240.
Delilah Private (Dalila)
1 week ago
i felt misled to. we're broke so we tried to seek a little help I wAs told I was approved for $240 and 2yr to repay it I just need to make 1st payment. so i ran all over to find help for $10 so I can pay it then they say oh pay 4 more months and then they will consider the loan. people borrow cuz money is needed. emergency happened they took the money I needed to feed 2 grandkids 10 bucks for $0 I could have got them noodles atleast. crooks just plain crooks
Tiona Fountain
4 months ago
not worth it. you pay and don't get the money back. you are just paying them money. yea it reports to the credit bureau but you don't get any of the cash you put in back. they keep it all!! $10 a month for 24 months. thought I was getting it back but nope!!!
Joey Wilbur
1 month ago
I got denied for credit building help from a credit building app? So after putting in all my info, I get a final message saying they are unable to proceed with my application 🤦 because of my background check? Seriously? Didn't the app state no background checks, so issues when I downloaded it? I recommend trying other apps
zymara giddens
1 week ago
this is a Scam I repeat A SCAM DONT NOT USE THIS COMPANY I HAVE PAID ALMOST $400 OVER THE LAST YEAR AND A HALF WAS CONVINCED TO OPEN A SECOND ACCOUNT THAT WOULD ENSURE MY Credit Score improvement how ever no it has only dropped in points and also shows up as a active account that is still negative do to the fact that the payments are so low smh this is clearly just an easy way to get people's money doing nothing
Nic
3 months ago
I'm not sure how this app has such high reviews. People are calling this a loan, it IS NOT a loan! Once you've paid the full amount you don't get anything. You're making payments on this so-called loan but you will not get any money up front or even after you've paid the entire amount. You're literally just paying money to get nothing, this is not a loan, this is not a credit account or credit card. You make monthly payments on something you will never get.
Donald Janowski
3 months ago
I'm so lucky I read someone's review saying how this is not a secured loan. I thought I'd get money back after the 2 years. Nope. Cancelled in the first 30 days. Funny their response to that review was that they don't charge the fees and interest others do. But all it is, is a fee. You literally just pay them to report to the credit agencies. Then report if you miss a payment? For nothing. Just paying them off to help your credit. should be illegal.
Chris Harris
1 month ago
easy as ABC 12 u get it 🔥 lol all joking aside the service really is seamless I've been using for only 3 months and I've already had a double digit point increase. its affordable the app functions reliably and again the entire experience was effortless. a few taps of my thumb and my score is already going up. its nice that there's still a few services or companies who actually do what they offer and or what the say they will.....I am completely happy with my use of this app and u will be 2
Monica Westbrooks
1 week ago
PLEASE do not get this app unless you seriously need a boost in your credit score in a short amount of time 3 months or less otherwise just go any other route or a secured credit card where you pay your own money but you get to use your own money. With Kovo you pay them money and do not get ANYTHING back!! ESSENTIALLY PAYING THEM TO REPORT TO THE CREDIT BUREAUS.Do not miss a payment if you get this; will report negatively. they need to be up front on ads and everything else...THIS IS NOT A LOAN!
Monifa “Nifa”
7 months ago
Excellent Credit Builder for us with "not so good" credit. I was given $240 to pay off in 2years. I wish the amount was higher, but it's all about establishing a positive payment history regardless of the amount. Maybe after I pay this loan amount, I will apply again. Then maybe they will give me a higher amount?? We'll see! But I recommend this app, it has helped my credit score after 2-3 on time payments!
