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.
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
- Set up your rent payments through KOHO and let us know your rental details
- We’ll notify the credit bureau, Equifax, for every new rent payment made through KOHO
- Watch your credit history improve over time
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
- Sign up for the Everything plan
- Sign up for Tenant Insurance
- Start Rent Reporting
- Earn cash back on every rent payment you 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.
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.
The perfect plan for your needs | Essential Over $100/year in value³$0/mo² | Everything Over $500/year in value³$14.75/mo | |
|---|---|---|---|
Benefits | |||
| Unlimited cash back on groceries, transportation, food & drinks | 1% | 1.5% | 2% |
| Earn interest | 2% | 2.5% | 3.5% |
| Free Credit Score | |||
| Instant e-Transfers | |||
| No Foreign Transaction Fees | - | ||
| Discount on Credit Building | - | 30% | 50% |
| Advanced phone support | - | - |
Making
real progress
Explore how we’ve helped KOHO members on their renting journey.
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?
Can't find the answer you're looking for? Please chat to our friendly team.Visit our FAQs3 No purchase required. Contest begins on October 1st 2025 at 12:00am EST and ends on October 31st 2025 at 11:59pm EST. There is 1 prize available to be won: [”rent for a year” to a maximum of $15,000 CAD]. Open to legal residents of Canada. Odds of winning depend on the number of eligible participants before the contest closes each week. Must correctly answer, unaided, a mathematical skill testing question to be declared winner. Full rules and entry details available at: https://www.koho.ca/legal/#rent-for-a-year