About Refresh
Simple digital application
Tell us a little bit about yourself and we’ll find the best way to build your credit history – FAST – with our solutions that fit your budget and no credit check is required!
Build your credit history
Both solutions report directly to the credit bureaus as separate tradelines helping you build your credit history 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).
$1,250 - $10,000
19.99%
36 to 60 months
$1,250 - $10,000
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.
$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 can be reported to the credit bureau.
What's a Secured Card
$200 - $10,000
$12.95
17.99%
$3.00/month
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 history