At Refresh, we believe everyone deserves a fair shake. We help people from any background build a better financial reputation — especially those who might not be treated well elsewhere.
Our goal is to help Canadians take control of their finances. We do that by providing programs that help people to build credit safely. We choose to focus on credit, because it is a key part of financial freedom.
We Respect People — Respect is at the core of why we do what we do. This means all people, no matter what their history may be. We believe in doing our best to take care of others, no matter their circumstances.
We Make Transformation Possible — We believe in the power of change. We believe that anyone is capable of change, if it is something they truly want. Our goal is to help as many people as possible on the road to self-improvement.
We Serve with Compassion — We know there are a variety of reasons someone may find Refresh; we promise to do our best to understand and empathize with the unique situation of every client.
We are Champions of Time, Talent, and Treasure — We believe in respecting people’s time (we know that it’s limited), making the most of individual talents (we don’t squander them), and celebrating the wins along the way (big or small).
If you become a Refresh client, we’ll be happy when you leave… but only if you leave better equipped to deal with the banking system.
Last year around this time I was declined for vehicle financing. I was making more than I am now and had better stability in my job and address yet I was declined. I had no borrowing history. Credit cards sure but no installment payments showing on my report. Its next to impossible to get experience without having experience. Then I learnt about The Refresh Program. I signed up for a $2300.00 loan because in 3 years I want to get my own piece of land and $2300.00 will go a long way towards a down payment.
So not only am I saving for a house but I am building my credit too.
This year I was approved for financing through for auto financing and now I have a shiny new ride to cruise around in and an interest rate I can afford.
So I just wanted to say thank you. I would still be driving my '92 saturn if it wasnt for the effect Refresh Financial has had on my credit report. ”David, Nanaimo, BC