Kovo Credit State Licensing & Lender Information

Last updated: October 1, 2026

About Kovo Credit

Kovo Credit operates as a financial services and lender-matching platform. We are not a bank or a direct lender. Loan products are offered through third-party partner lenders, each of which maintains the state licenses required for the products it offers.

Credit Builder product

The Kovo Credit Builder is a credit-reporting service, not a loan product. Our reporting agreements with the major U.S. consumer reporting agencies are governed by the Fair Credit Reporting Act (FCRA) and related federal rules.

Partner lender licensing

Each Kovo Credit partner lender is responsible for maintaining the licenses required to operate in your state. When you accept a specific lender's offer, that lender's license information and legal entity name appear on your loan disclosure before you sign.

Look up a lender's license

U.S. consumers can verify any lender's state license through the Nationwide Multistate Licensing System (NMLS) Consumer Access portal:

nmlsconsumeraccess.org

Enter the lender's company name or NMLS ID. If the lender is unlicensed in your state, do not proceed with the loan — contact Kovo Credit through our contact page.

State regulators

If you have a complaint about a Kovo Credit partner lender, you can contact your state's financial services regulator in addition to Kovo Credit:

• California: Department of Financial Protection and Innovation (DFPI)
• Texas: Office of Consumer Credit Commissioner (OCCC)
• New York: Department of Financial Services (DFS)
• Florida: Office of Financial Regulation (OFR)
• Illinois: Department of Financial and Professional Regulation (IDFPR)
• Other states: Search "[Your State] Department of Financial Regulation"

Federal regulators

• Consumer Financial Protection Bureau — consumerfinance.gov
• Federal Trade Commission — ftc.gov
• Office of the Comptroller of the Currency (for national banks) — occ.gov

State-specific availability

Kovo Credit's lender network covers all 50 U.S. states, but specific loan amounts, APR caps, and term lengths vary by state law. See our state pages for state-specific notes, or complete pre-qualification to see your actual state-specific offers.