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Kikoff vs Cheese

Kikoff is a low-cost credit builder that packs in extra features for credit building. How does it compare to Cheese? Read our comparison chart below.

 Kikoff
 Visit SiteLearn More
 

Kikoff

Cheese

SPECIAL OFFER
Credit Building Made Easy - Learn More

Read Kikoff Review

SPECIAL OFFER
Build Your Credit Now - Learn More

Read Cheese Review

 

Benefits and Features

Fees
  • Credit Account: Starts at $5/month
  • Rent Reporting: Free
$0
Credit Building Tools
  • Credit Account
  • Credit Builder Loan
  • Kikoff Secured Credit Card
  • Rent Reporting
Credit Builder Loan
Credit Bureaus Reporting
  • Credit Account & Credit Card: 3 Main Credit Bureaus
  • Credit Builder Loan: TransUnion and Equifax
  • Rent Reporting: Equifax
3 Main Credit Bureaus
Monthly Loan Payment
$10/month
Starts at $24/month
Loan Term
12 months
12 - 24 months
APR
0%
5% - 16% (varies by state)
Mobile App
Yes
Yes
 

CreditDonkey® Reviews

 Kikoff
FeesStarStarStarStarHalf StarStarStarStarStarEmpty Star
Credit Building ToolsStarStarStarStarStarStarStarStarStarStar
Credit Bureaus ReportingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarStarStarStarStarStarStar
Pros & ConsPros:
  • Inexpensive way to build credit
  • Cancel anytime
  • No lock-in period
Cons:
  • Does not report to TransUnion
  • Kikoff Store items may not be valuable
Pros:
  • Reports to 3 credit bureaus
  • 12/24 months term
  • Get your money back
Cons:
  • VantageScore only
  • Not available in all states
Bottom LineLow-cost credit builder that packs in extra features for credit building... Read full reviewSimple credit builder with minimal fees and charges... Read full review
 Visit SiteLearn More

Build Your Credit Now

Kikoff

Credit Building Made Easy

  • No credit pull required
  • With 0% interest
  • Open your account in minutes

Which is Better: Kikoff or Cheese?

Still need help deciding which credit is better? Read the in-depth reviews below. You may also be interested in comparing Kikoff or Self.

In short: Cheese's credit bureaus reporting is outstanding.


Articles on Kikoff

Kikoff

Kikoff offers an affordable credit line, which can help you build your credit. But what's the catch? Read on to find out.

Articles on Cheese

Cheese Credit Builder

Cheese lets you build credit and savings at the same time. It's also one of the most affordable credit builders, but what's the catch? Read on to find out.

Which Do You Think is Best?





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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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