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Through your free financial intelligence training, you can learn the secrets of the financial experts and get ahead for good.

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We're dedicated to your success. Our team will answer any questions about your credit to help you reach your goals.

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Everyone is different. Our variety of programs are designed to fit your budget, lifestyle and goals.

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Approvals - Approvals are subject to Refresh Financial's review and underwriting guidelines which requires minimum monthly income, ID & banking verification.

Refresh Financial Inc. and its loan products are not affiliated with any credit reporting bureau or entity in Canada.

Credit Impact - Refresh Financial offers short term secured savings loans and is not a credit repair service. A Refresh loan may help improve your credit score by building a credit history provided your payments are made in full and on time. While having a loan and honoring its obligations can help build credit, potential creditors may see too many loans as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.

Financial Implications - Across Canada (excluding Saskatchewan and Quebec) Refresh Financial offers secured savings loans, provided by Refresh Capital Corp. of $1,600 (36 months at 7.95%), $2,900 (36 months at 7.95%), $6,500 (60 months at 6.95%), $10,000 (60 months at 5.95%), and $25,000 (60 months at 5.95%). In Quebec, loans are offered at $1,200 (36 months at 29.95%) and $2,300 (36 months at 29.95%). The APR (excluding Quebec) ranges from 9.47% - 20.07% depends on the size of the loan chosen and includes a loan set-up fee of $200-$400, deducted from the loan proceeds.

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