How it works:

Kovo Collection of Courses


Buy Kovo Grow, a collection of courses created by instructors with subject matter expertise.



Pay $10/mo over 24 months with Kovo Monthly Installments. 0% APR. $0 fees. No credit check.

Build Crane


Build your credit health and positive payment history by making on-time payments.

Sign Up Now

Your Trusted Sidekick

When you sign up to Kovo you get transparency.

No gotchas.

No interest.

No late fees.

Just monthly payments at a flat rate and a trusted path forward.

Kovo Customer Terence
It’s an easy $10/month that you pay and I didn’t have to commit to a credit card.
Terence W.

Her story with Kovo

His story with Kovo

Assessing Credit Health

While completing a debt restructure, Terence noticed his profile didn’t have a strong credit mix. That’s when he realized it was time to take control of his credit health.

Taking Action

After discovering Kovo through Facebook, Terence purchased Kovo Grow with Kovo Monthly Installments. Over time, by making on-time payments on auto-pay, he saw his credit health improve.

Reaping The Rewards

Terence qualified for a conventional mortgage, removed home insurance, and drop his loan term. He was also able to secure an auto loan which helped him purchase a car.

*Disclaimer: this story reflects a real life experience of a Kovo customer. Individual results may and do vary.

Get More For Your Money

Great value. Affordable credit building.

No security deposit needed.

No signup & admin fees.

Just a low $10 monthly commitment.

Kovo Customer Paige
A strong credit profile makes me feel like I can actually provide for my family.
Paige V.

Her story with Kovo

His story with Kovo

Rebuilding Credit Health

Paige and her family made an interstate move to start over, but the costs of the move left her credit cards maxed out. Paige needed to rebuild her credit profile and start thinking about the future for her family.

Finding Kovo

Signing up to Kovo and purchasing Kovo Grow was one of the efforts Paige took to rebuild her credit health. She set up automatic monthly payments to make her Kovo Monthly Installments repayments easy.

Purchased First Home

After twelve months, Paige’s credit score went from very low to healthy. She was able to purchase her first home and better provide for her family.

*Disclaimer: this story reflects a real life experience of a Kovo customer. Individual results may and do vary.
Orange arrow

Easy & Straightforward

Boosting your credit health doesn’t need to be difficult.

Instant Approval.

No credit check.

No bank account needed.

No annual fees.

Auto-pay is enabled to make repayments easy.

Kovo Customer Michael
My goal was to improve my credit score and financial health simultaneously. I wanted to take control.
Michael B.

Her story with Kovo

His story with Kovo

Pandemic Adversities

Michael noticed his credit score was unstable, then the pandemic hit. With his work hours being reduced and his cash flow changing, his credit health became even more unpredictable. 

Getting Started With Kovo

Michael searched on Google and came across Kovo. He signed up in minutes online. A few months after signing up for Monthly Installments, Kovo appeared on his credit report as a positive payment and his credit score began to improve. 

Personal Impact

A year on, Michael’s credit health continues to improve. He feels more confident when talking about his personal finances and is proud to have a stronger credit score.

*Disclaimer: this story reflects a real life experience of a Kovo customer. Individual results may and do vary.


Kovo color word
  • Low monthly commitment
  • Instant approval
  • No credit check
  • No security deposit taken
  • No bank account needed
  • 0% APR
  • $0 sign up fee
  • $0 late fees
  • $0 annual fees
  • $0 prepayment fees
Sign Up Now

Learn More About Kovo

What is Kovo Grow?

Kovo Grow is a collection of online courses created by instructors with subject matter expertise. While these courses are all together valued at over $400, we make them available as a collection in Kovo Grow for $240.

Included in this are the following interactive courses:

  • Job Interview Skills, Interview Strategy & Answer Scripts
  • Self Confidence & Self Esteem: Confidence via Self-Awareness
  • Entrepreneurship: How To Start A Business From Business Idea
  • Personal Branding Path To Top 1% Influencer Personal Brand
  • Stress Management WIth Time Management For Burnout & Anxiety
  • Entrepreneurship: Sales Training, Techniques and Methods
  • Ecommerce Bootcamp Academy
  • Introduction To Programming
  • Google Sheets Fundamentals

Purchase Kovo Grow and access your online courses anytime, from anywhere. Apply to purchase Kovo Grow on Kovo Monthly Installments here.

How does Kovo compare to a cash loan or savings account?

Kovo is not providing a cash loan or savings account, which means cash isn’t provided at the beginning or end of your plan. This allows us to offer a low monthly commitment with no setup fee, no late fees, no prepayment fees, and no interest charges - which means we don’t make money on hidden finance charges.

Our installment plan has a transparent and flat rate of $10/month so you don’t have to worry about any surprises.

What is Kovo Monthly Installments?

Kovo Monthly Installments is our financing option to purchase Kovo Grow with an installment plan. Kovo Grow is available for an upfront payment of $240, but with Monthly Installments you can finance the purchase with monthly payments of $10/month over the course of 24 months.

With Kovo Monthly Installments, your account and payment performance are typically reported to one or more consumer reporting agencies.

Will it require a hard credit check to apply for Kovo Monthly Installments?

Nope. We believe everyone deserves fair access to credit, so we don’t check your credit score or credit report when you apply.

Does Kovo report to the consumer reporting agencies?

Yes. We report to one or more consumer reporting agencies on a monthly basis. This means your installment account and payment performance may appear on your credit report and may impact your credit scores.

Is Kovo Monthly Intallments a contract?

Yes. Kovo Monthly Installments is an installment contract. In exchange for receiving Kovo Grow, a promise is made to pay $10/month over the course of 24 months.