KOHO Credit Builder Canada – Prepaid Card to Build Credit Fast
No interest. No hard check. Just a simple prepaid Mastercard designed to help Canadians build credit with ease.
🟪 See What The KOHO Credit Builder Card Looks Like
The KOHO Credit Builder Mastercard® is sleek, modern, and designed to help Canadians build credit with confidence. With no interest, no hard checks, and an easy-to-manage app—this prepaid card offers full control without the stress of traditional credit.
How the KOHO Credit Builder Canada Program Works
The KOHO Credit Builder Canada program is designed to help you build credit without needing a traditional credit card. It works like a prepaid subscription: you make monthly payments to KOHO, which are reported to a major Canadian credit bureau. These on-time payments help improve your credit score over time. There’s no interest, no hard credit check, and no need for a high income or perfect credit history. It’s ideal for newcomers, students, or anyone looking to rebuild credit in Canada.
💲No Interest Charges
You only pay a small monthly fee—no interest ever.
📝Monthly Payments Reported to Equifax
Each payment you make is reported to Equifax, helping grow your Canadian credit history.
🔒Prepaid, Safe & Easy to Use
You stay in control—no risk of debt or overspending.
🛡️No Hard Credit Check
Applying won’t affect your current credit score.
🎓Perfect for Newcomers & Students
No income, credit history, or hard check needed to qualify.
📊Track Credit Score Progress
Get insights into how your credit score improves every month through KOHO’s dashboard.
KOHO Credit Builder Canada – Fees & Eligibility Requirements
The KOHO Credit Builder Canada program charges a flat fee of $10 per month. There are no interest charges, no security deposit, and no hidden fees. To be eligible, you must be a Canadian resident with a valid ID and be the age of majority in your province or territory. No credit history or income verification is required.
KOHO Credit Builder is currently available across all provinces and territories in Canada. You can cancel anytime without penalty.
- ✅ Monthly Fee: $10
- ✅ Interest: 0%
- ✅ Age: Must be age of majority in your province
- ✅ Availability: All provinces & territories in Canada
- ✅ Cancel Anytime: Yes, no penalty
- ❌ Security Deposit: Not required
- ❌ Credit Check: No hard check
- ❌ Income Requirement: None
How to Apply for KOHO Credit Builder in Canada
Applying for the KOHO Credit Builder program is quick and fully online. All you need is a valid Canadian ID and a few minutes to complete the signup. There’s no credit check or income requirement. Once approved, your KOHO app will show your Credit Builder dashboard, where you can start making monthly payments and track your credit progress. No paperwork, no stress—just a simple and secure way to build credit in Canada.
Frequently Asked Questions About KOHO Credit Builder
What is KOHO Credit Builder and how does it work?
KOHO Credit Builder is a prepaid program that helps you build credit by reporting monthly payments to a credit bureau. There’s no interest or hard credit check involved.
Is there a credit check for KOHO Credit Builder?
No, there is no hard credit check required to apply for KOHO Credit Builder.
How much does KOHO Credit Builder cost?
The monthly fee is just $10, with no interest or hidden charges.
Who is eligible for KOHO Credit Builder in Canada?
Any Canadian resident with a valid ID who is of the age of majority in their province or territory.
How do I track my credit score with KOHO?
You can track your credit score progress directly through the KOHO app dashboard.
Ready To Start Building Your Credit With KOHO?
Whether you’re new to credit or looking to rebuild it in Canada, the KOHO Credit Builder card gives you a simple, interest-free way to take control of your financial future. With no credit check, no deposit, and no stress, KOHO is the smarter choice for building credit fast.
