Personal loan applications, including those for credit loans, are approved or denied based on a number of factors. All lenders have their own unique underwriting requirements, but these typically include information from the applicant’s credit profile and other factors that demonstrate ability to repay the loan, such as income.
To qualify for a Kikoff credit account, you just need to be a US citizen with a valid social security number and at least 18 years old. Remember that Kikoff is available in all states except Delaware and Indiana.
After opening a credit account and making your first payment, you will also have the option of adding a credit-generating loan.
Credit score requirements
Kikoff does not pull your credit when you apply for an account and has no minimum credit score requirements.
Kikoff has no income requirements for applications, making it easier for low-income or no-income borrowers to qualify.
Co-signers and co-applicants
Kikoff does not provide any information about whether it accepts co-signers or co-applicants. Typically, credit-building products like those offered by Kikoff are designed specifically for borrowers with bad or no credit and don’t require a co-signer.