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Pay Rent, Get Rewarded

Renters, this one’s for you! Turn your rent into a credit building opportunity. Get tenant insurance and earn cash back on your rent payments.

Illustration of downtown rental apartments
Earn cash back

Earn cash back

Build credit

Build credit

Insure yourself and your belongings

Insure yourself and your belongings

KOHO app screen to report rent and build credit

Report rent and build credit

Pay your rent through KOHO and we’ll report every payment to the credit bureau, Equifax. Watch your credit history grow!

Perfect if you...

  • Pay your rent on time each month

  • Want to build your credit history

  1. Set up your rent payments through KOHO and let us know your rental details
  2. We’ll notify the credit bureau, Equifax, for every new rent payment made through KOHO
  3. Watch your credit history improve over time
A woman looking at phone to see cash back earned on rent

Earn cash back on your rent

Bundle Tenant Insurance with your Everything plan and you'll also get cash back on every rent payment you report

  1. Sign up for the Everything plan
  2. Sign up for Tenant Insurance
  3. Start Rent Reporting
  4. Earn cash back on every rent payment you report
KOHO app screen of Equifax credit report

your credit history all in one place

Your Credit Report gives you the latest look at your borrowing and payment history, and how you could improve your credit score.

Upgrade to the Everything plan and gain access to your Equifax Credit Report directly in the app for free.

A man relaxing on the grass knowing he is protected with tenant insurance

stay protected with tenant insurance

While you’re renting, the unexpected can happen. For peace of mind, protect yourself and your belongings.

KOHO members get one of the most competitive prices in Canada, with standard coverage from $22/month.*

  • Financial Protection: Tenant Insurance covers your belongings against damage or theft. From your electronics to cherished heirlooms, you can rest easy knowing you’re covered.
  • Liability Coverage: Accidents happen. If someone is injured in your home or if you accidentally damage the property, you’ll be protected against those costly legal and medical bills.
  • Personal Property Coverage: If your rental becomes uninhabitable due to an unexpected situation, tenant insurance can help cover your additional expenses, ensuring you have a roof over your head while repairs are made.

Pick a plan and try it with no cost

Join our community of savvy renters who are making the most out of their rent payments.

Essential

Earn more on the essentials your wallet cares about.

Starting from*

$0

per month

  • Access to Rent Reporting

  • Access to Tenant Insurance

  • Cash back on Rent

  • Free Credit Report

Extra

Best deal

Earn extra on your spending and savings.

Starting from*

$9

per month

  • Access to Rent Reporting

  • Access to Tenant Insurance

  • Cash back on Rent

  • Free Credit Report

Everything

Most popular

Supercharge everything in your KOHO account.

Starting from*

$19

per month

  • Access to Rent Reporting

  • Access to Tenant Insurance

  • Cash back on Rent

  • Free Credit Report

MAKING


REAL PROGRESS

Explore how we’ve helped KOHO members on their renting journey.

A female construction worker
A testimonial about rebuilding credit
A man on his phone seeing his credit score increase
A female construction worker
A testimonial about rebuilding credit
A man on his phone seeing his credit score increase
A female construction worker
A testimonial about rebuilding credit
A man on his phone seeing his credit score increase

FAQS

With KOHO’s Rent Reporting, you can help build your credit history by paying rent to your landlord with KOHO! Here's how it works: Once you enrol in a paid plan or subscribe to Credit Building, you can utilize Rent Reporting! Let us know your renter details Pay your landlord from your KOHO account through e-Transfer, a pre-authorized debit, or your KOHO card For each monthly rent payment, we’ll report to Credit Bureau Equifax See your credit history improve

With Rent Reporting, only future rent payments can be reported to Equifax on a monthly basis. Please note that the earliest we can report your rent is seven days after your sign-up date. If you recently signed up and your rent is due within seven days, please start paying your rent through KOHO from now on. Your first reported payment will be for the following month's rent.

You can earn 0.25% cash back on rent payments up to $3,000 per month when paying rent with your KOHO account. Ensure your rent is paid with your KOHO account via e-Transfer, pre-authorized debit, or using your KOHO card details.

KOHO has partnered with Walnut Insurance as the official insurance provider. For more information visit: https://www.gowalnut.com/ca/koho

Standard Coverage is a group insurance product with predefined coverages offered by the insurer in Alberta, Ontario, Manitoba, Nova Scotia, and British Columbia. Members can purchase this standard coverage through KOHO. Pricing starts at $22 per month. Custom Tenant Coverage is for tenants with needs that are not covered by the standard tenant coverage. You can select custom insurance based on your own specific requirements. Pricing of custom tenant insurance depends per policy.

Tenant Insurance is not mandatory but highly recommended by all landlords. We recommend getting a tenant insurance policy to protect yourself and your belongings in the event of an unexpected situation like theft, property damage, bodily injury and more. Tenant Coverage is insurance for renters that provides crucial financial protection against unexpected events and liabilities that could otherwise be financially devastating.

A credit report reflects the most current information on your credit history. Your Equifax credit report includes personal identification information, a summary of your credit accounts, payment history, inquiries, and public records such as bankruptcies. It may also contain details on accounts sent to collections.

Still have questions?

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