4 easy steps to build credit in 20 minutes or less! | Refresh Financial

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4 easy steps to build credit in 20 minutes or less!

A good credit score is one of the most important aspect of your finances. Your credit score can open doors to low interest rates on financial products such as car loans, personal loans, credit cards, and even mortgages. Taking the time to increase your score before you commit to a long-term loan is well worth it as you could potentially save thousands of dollars.

Our platform makes building your credit score a breeze! All it takes is completing 4 easy online steps which takes less than 20 minutes! In no time you will be on your way to a better credit score, and a more secured financial future.

Want to start building your credit? Start your application right here, right now!


Here’s what you will need:

  • Your credit score. It’s not mandatory to know your score but we certainly recommend knowing what it is so you can set a goal of where you would like to get to. If you do not know your credit score, you can find it for free at Refreshfinancial.ca/find-credit-score/
  • We need a copy of a government-issued ID that has your address on it.
  • Your banking details – you will need the institution, transit, and account numbers for your bank. If you do not know them, these numbers can be found on the bottom of a cheque.
  • Finally, we ask for proof of your address. We accept government-issued mail (such as a letter from the CRA) or a utility bill addressed to you.

With these important documents ready, you can get started.

4 easy steps to build credit

1. Custom Info

This section is all about you. Everyone’s financial situation is unique, and we consider all the following details before recommending the credit-building solution to help reach your financial goals - at the speed that works for you, and within your budget:

  • Location
  • Credit Score
  • Financial Goals
  • Income
  • Expenses
  • Budget

2. Verify Email

We need to know your email address so we can get in touch with you! We are serious about helping you build your credit. We will provide you with a custom credit building solution based on the information provided in section one.

3. Choose your Credit Building Pack

We offer three different credit building packs, depending on how fast you want to build your credit score.

Spring pack credit building refresh financial

The Sprint Pack is the fastest option to build credit with blistering speed and includes the credit builder loan and secured card.

Jog pack credit building refresh financial

The Jog Pack is a more balanced credit building solution combining speed and stamina and includes the credit builder loan.

Walk pack credit building refresh financial

The Walk Pack is the slow and steady option and consists of the secured card.

What is a credit builder loan and secured card?

The credit builder loan. This is our flagship product, and it is one of the fastest ways to build your credit score. The credit builder loan is considered an installment loan (i.e. your payments are for the same amount every month for a specific length of time). Car loans, personal loans, and mortgages are all types of installment loan.

The secured card. This is a type of revolving credit (an ongoing source of credit whereby the amount you pay each month changes, and as you make payments more credit becomes available to you). Used by itself, a secured card will slowly and steadily build your credit score. This is not the same as a pre-paid card. To learn the differences, check out this post.

4. Digital Details

This is where you need most of the documents listed at the top of this page. We will also ask you a few questions about yourself to check one last time that this is the right credit building solution for you.

After you have completed the 4 sections outlined above, a copy of the agreement will be sent to you electronically to sign, and that’s it! You are on your way to a brighter financial future.


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    What Canadians are saying about Refresh

    I would like to thank Refresh Financial for helping me get out of a bad spot. I never thought it was possible and almost gave up on things and then I saw Refresh Financial and and gave it a try. At first I was unsure of things but to see my credit score now makes me a believer in this program.

    – Aaron A

    “It hasn’t even been a year yet, possibly only 6-7 months, and my TransUnion score has gone up over 100 points. That was only the tip of the iceberg as recently I was able to get a consolidation loan from my bank that allowed me to move forward and make things easier for me. Talk about second chances!”

    – Angelica M

    “I am now in a position where I am able to obtain credit (just bought a brand-new car and refinanced my mortgage for a fantastic rate) and it took little to no time at all. I would 100% recommend Refresh to anyone looking to rebuild credit with as little hassle as possible.”

    – Cathy M

    “I had not heard of a company doing such a thing before someone suggested it to me and it made sense. I am not very good at saving money and Refresh Financial helped me. I have dealt with them for years now and never had a problem. The customer service is excellent and fast.”

    – Chris C

    Refresh helped me regain credit following a nasty divorce, which left me with a very poor rating. They were able to remarkably help me go from a 480 to a 600 score, in just over a year. Thank you Refresh!”

    – Deb K

    I have watched my credit score jump since being with Refresh and I have already recommended it to friends and family. Thank you for helping me build my credit faster for my future and my children’s future :)”

    – Heather T

    At first I was skeptical because I wasn’t getting funds upfront and had to make payments when I really needed the money. I’ve been in the program a year now and have noticed my credit has improved drastically!”

    – Irene L

    I have been a client of Refresh Financial for approximately 3 years. Since being a client they have improved my credit immensely. Definitely recommend this company to anybody that needs help re-establishing credit.”

    – Jason I

    “I recommend this program to anyone having credit issues. At the end of the agreement, your money is refunded to you. There were times I found myself short on cash and Refresh, with permission, used a portion of my money to clear up my arrears.”

    – Margaret L

    “I would like to thank Refresh Financial for their professionalism, great customer service and for helping get back to a better financial situation. I have always been treated with the utmost respect.”

    – Martine B

    Refresh Financial is an amazing program to help people get back on their feet. I was rock bottom with nowhere to turn. My credit was beyond poor. I would recommend them to anyone. If I can do it surely anyone else can.”

    – Matthew S

    “Great company to deal with for rebuilding credit, very simple process to get started. Good service if you ever have questions.”

    – Mike L

    This business truly cares about its clients. The customer service is always quick to return calls or emails. Their online portal functions very well so as a customer you are always updated as you progress with your loan.

    – Phil J

    “Refresh Financial has made us more aware of how to take care of our financial situation and be more responsible, and making payments on time is rewarding in the end for credit. Thank You sincerely.”

    – Rocky M.

    “Refresh financial is great!!! They boosted my credit score, helped me save money and helped my husband and I buy our house;) I was not only a number to them, they stayed in touch and helped me out along the way. Answered all my questions and concerns.”

    – Sara B

    “Refresh Financial had been exceptionally good to me! I’ve just been out on medical leave and they have accommodated me with my payments without hesitation!! I was in a really bad spot with my credit and they have helped me to try and correct it!! Bravo!”

    – Shannon B

    This company has been nothing but fantastic. They have gone above and beyond to help me. This program has given me the relief and peace of mind I need. I would certainly go back to them and give them names of people who could use this.”

    – Shirley K

    The financial services products are excellent for new immigrants, low-income earners and small business owners. Loans, savings and credit building all in one solution is a perfect fit to help with financial goals and stability.”

    – Soraya H

    “After successfully going through a credit rebuilding loan, I was able to use my built-up equity to purchase a newer vehicle and I have since been approved through a financial institution for a loan.”

    – Tanya W

    “I made some poor credit choices when I turned 18 and have always had this lingering thought of how am I ever going to better my score. Since being with Refresh I have realized that I took the right step towards bettering my future.”

    – Taylor B

    “Thank you Refresh, and my relationship manager for giving me the tools for a better score with a secured card and two credit builder loans. I feel absolutely confident I’m on a better path to financial success. I am happy to be a long term client.”

    – Trevor P

    I’m so excited I’ve joined refresh! I’ve already seen a huge increase on my credit after the first month! The staff are a delight and make this so easy to understand. I strongly recommend Refresh Financial even if you have good credit this will give you a boost and you’re saving money with the reverse loan!”

    – Wayne B