Refresh Financial | Improve Your Credit Score

IMPROVE YOUR
CREDIT SCORE.

IMPROVE YOUR LIFE.

About Refresh

TRUSTED BY 100,000+ CANADIANS SINCE 2013

D

David Lang

So far so good. Helping to rebuikd my credit, and helpjng mr save at the same time. Prompt rellies to my questions and fairly dispersal of my savings loan funds upon request.

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Nadira Paul

Excellent! Exceeded my expectations, great customer service, no hidden rules, helped me in a huge way. My score went up by 60-80 points in 24 months. Definately recommend 10++.

M

Michael LaPierre

Very helpful group it definitely works. I use 3 products and the results have been awesome.

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Shari Macisaac

I have ever had a problem with refresh and, anytime I needed to phone in they were very friendly easy to speak with and always helpful

L

Louise Bowden

They are great. Nicest financial place I ever dealt with. They are there for you

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Carole Deslauriers

Great customer be service and prompt reply.

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Carolyn Harney

Refresh financial has helped me to get my credit back to where it used to be in less time than it would normally take. The staff is great in helping me over the phone....

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BG Labelle

Customer service is awesome. Heather is great. She is knowledgeable and takes care of problems right away. Wonderful person to talk to and a great help. Very satisfied!

HOW IT WORKS WITH REFRESH

Simple digital application

Tell us a little bit about yourself and we’ll find the best way to build your credit score – FAST – with our solutions that fit your budget and no credit check is required!

Build your credit score

Both solutions report directly to the credit bureaus as separate tradelines helping you build your credit score – FAST – and we simplify the process with automated payments and payment reminders.

Reach your financial goals

Nobody builds credit for fun, we’re here to help you achieve your financial goal whatever they might be (mortgage, personal loan, car loan or credit card).

our credit building solutions

Size

$1,250 - $10,000

APR

19.99%

Term

36 to 60 months

Credit Builder Loan

Size

$1,250 - $10,000

APR

19.99%

Term

36 to 60 months

No credit check

Unlike a Personal Loan, no money is provided up-front with a Credit Builder Loan. You make payments into a secured account that you can access at any point to withdraw your savings. Your payments are reported to the credit bureaus, which may help improve your credit score.

What's a Credit Builder Loan?

Secured Card

Credit limit

$200 - $10,000

Annual fee

$12.95

Interest rate

17.99%

Maintenance fee

$3.00/month

No credit check

Unlike a credit card, no credit is provided up-front with a Secured Card. You set your credit limit with a required deposit then it functions like a regular credit card. Now all your everyday purchases report to the credit bureau, which may help improve your credit score.

What's a Secured Card

Credit limit

$200 - $10,000

Annual fee

$12.95

Interest rate

17.99%

Maintenance fee

$3.00/month

Highly Recommended

Get access to

the ultimate credit building experience

What's Black Tier?

  • Credit Report

  • Credit Alerts

  • Credit Simulator

  • Goal Manager

  • Refresh Academy

30 day-free trial
$16.95/month

LEARN MORE ABOUT CREDIT

Free credit score check

What does my credit score mean?

How credit works

Free credit score check

What does my credit score mean?

How credit works

Our founder's story

Like many ideas, Refresh was conceived to solve a simple problem. The year was 2008. My wife and I were applying for financing to purchase our first home when the unexpected occurred. Our mortgage broker checked my credit and the beacon score was 525 due to an unpaid annual fee on a long-since cut up credit card.

This $75 outstanding fee had caused my credit to spiral. Luckily, the mortgage broker was able to convince the lender that I was still a sensible credit risk. However the experience got me to wonder how many people fall into this situation challenged to access credit, with no solution?

In an economy where more and more banks were either discontinuing their financial products, or merely turning away customers due to their bad credit, I wanted Refresh to be more about saying “yes” and helping Canadians transition into more affordable credit in the future. Since our beginnings, I believe Refresh is well on its way to helping more and more Canadians, and it is truly the thing that excites me about what we do at Refresh: providing a financial solution that truly helps the customer move forward to a bright financial future.

Build your
credit score
-fast-