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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 - Refresh Financial offers secured savings loans, provided by Refresh Capital Corp., of $1,200, $2,300, $3,200 and $5,500 with terms of 36 and 60 months, respectively. The APR ranges from 7.26% - 29.95% depending on the size of the loan chosen, and includes a loan setup fee of $200 - $400 deducted from the loan proceeds.

In February 2015, I tried to apply for a loan so I could pay off my school debts and my credit card. At least put a dent into my payments. Well, things went all wrong and I was denied for approval of a loan.

Refresh Financial contacted me, concerned as they are to help individuals like myself to have a better future. We went over my finances and decided that the Refresh Financial loan will bring up my credit score to apply for a loan.

I was greatly impressed when every month I saw my credit climbing to the numbers I wanted from the beginning. I was entirely happy for my credit score being higher. My job as well, I made it possible to pay bi-weekly on my payments. With that being said, I learnt to pay my outstanding bills instead of spending money.

I only not have better credit, I have better spending habits and I am happy with the results! ”

Jessica, Frog Lake, AB