IMPROVE YOUR
CREDIT SCORE.
IMPROVE YOUR LIFE.
Say no to ridiculous interest rates.
Keep your money in your pocket.
Get approved for loans and credit cards.
About Refresh
TRUSTED BY 100,000+ CANADIANS SINCE 2013
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
$1,250 - $25,000
19.99%
36 to 60 months
Credit Builder Loan
$1,250 - $25,000
19.99%
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 improve your credit score.
What's a Credit Builder Loan?
Secured Card
$200 - $10,000
$12.95
17.99%
$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 improves your credit score.
What's a Secured Card
$200 - $10,000
$12.95
17.99%
$3.00/month
Highly Recommended
Get access to 
the ultimate credit building experience
What's Black Tier?
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Credit Report
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Credit Alerts
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Credit Simulator
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Goal Manager
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Refresh Academy
30 day-free trial
$16.95/month
LEARN MORE ABOUT CREDIT
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.
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credit score
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This card is owned and issued by Digital Commerce Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. Digital Commerce Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.