Yes! Our Credit Building products can help you to establish your credit history. We know that it is challenging to get credit when you don't have a credit history and we can help with that! You don't need any credit history to be eligible to sign up and we don't do a hard credit check either.

Keep in mind, If you don't have any credit history, it's normal not to see a score right away on your KOHO app. This simply indicates that we are in the process of building your credit history.