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.

Why We Do It

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).

Success For The Long Term

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.

Learn About Our Programs

Six months ago I came with a credit score of ZERO. I was assured Refresh would help my credit and was asked to come back in six months to check again. I was blown away when I found out I had good credit. It was beyond my expectations and I qualified for a loan. I was very impressed with the professional and genuine helpful service I received. I've since and will continue to recommend Refresh to friends, family, and people at work with confidence that they too will be satisfied. Thanks everyone! "

Lucas, Niagara Falls, ON