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Build your credit history

Welcome Credit Karma® members! Simply open a no-fee KOHO account and opt into the Credit Building feature in-app to start on your credit building journey. For only $10/month, take out a line of credit, repay it on time, and build your credit history.
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Credit Building by KOHO

How it works

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If you are new to KOHO, click the link below and open your new no-fee KOHO account in 5 minutes or less
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Credit Building by KOHO

KOHO User Testimonials

Stress Free Credit Building

Questions?

An affordable way to build your credit history with KOHO. Head to your KOHO app and click Credit > Register to start building your credit history.
Take out a Credit Building line of credit with KOHO. On time repayments build credit history and a strong credit history can build your credit score.
Once you’ve registered for Credit Building in-app, you’ll be able to see your current credit score. Every month after we've successfully taken payment and reported to a major credit bureau, you'll be able to see your updated credit score.
Just as making your payments on time can positively impact your credit, the inverse is true. Not making your payments on time can hurt your credit score.
Credit Building costs $10 a month over 6 months for a total of $60. You can also choose to pay $60 up-front for Credit Building.
The minimum credit score to buy a home varies by lender, but generally speaking a homebuyer would need a score of at least 620 to qualify for a mortgage with a traditional lender, according to Loans Canada. The better your credit score, the more likely you are to qualify for a low interest rate.
You’ll want a credit score in the mid-600s to qualify to buy a car, according to Borrowell. You might be able to qualify for a car loan with a lower score but, similar to buying a home, the higher your credit score the better your chances of qualifying for a good interest rate on a car.
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