Apply Now for One of the Best Ways to Build Credit l Refresh Financial
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Unique and original

With over 50,000 credit builders, you know you're in good hands.

Access to financial education

With Refresh f.i.t, you can get access to online courses that teach you about money management*.

White glove service

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

Tailored to you

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

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We'll call you to confirm your application and discuss the nest steps.

Refresh sends approvals and replies by email, SMS Text and calling to give you the best possible service.

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.

*Refresh f.i.t is part of the paid Black Tier experience of the Refresh self-serve dashboard.

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