Cash Loan Calculator: How Much Could You Save?

Cash loan interest calculator

How much will a good credit score save you?

How much can you save on loan interest payments based on your credit score?

Try our calculator below to see the difference yourself. Watch your payments grow and shrink, based on your credit score.

*Interest rate

Monthly payments

Monthly interest

Borrowed amount

Total interest paid

Interest with better credit

Total interest paid

Savings with better credit
You qualify for the best interest rates available
Build your credit with Refresh Financial Apply Now >>

Like a loan. But backwards.

We do things differently.


Boost your credit

Every payment you make towards your credit building loan gets reported to the credit bureaus, giving you that all important positive payment history.


Build your savings

By the end of your credit building program, you’ll have a stash of cash to use however you like*.


Get financial wisdom

Become financially savvy through our financial intelligence training and Dime Turner™ blog.


Say goodbye to no

Hearing no when it comes to your finances will become a thing of the past with a good credit score, financial fitness and savings up your sleeve.

My personal loan application was declined, when can I apply again?

Once you’ve been declined for a loan, knowing when to apply again is tricky – If you apply at many places at once, your credit score is going to take a serious hit. It’s also going to make lenders think you are desperate to get your hands on some money, making them less likely to approve your loan application. Check out the best strategy for applying for a loan after being declined.


How Much do Payday Loans Really Cost?

You’ve all heard about payday loans – they’re quick, they’re easy, there’s no credit checks, and it’s money when you most need it. When you're struggling, payday loans might be exactly what you think you need – but that’s how payday loan companies get you. They know just how to catch you when you're down and desperate. What they often don’t tell you is just how expensive those quick and easy loans really are. Some predatory lenders will make quick high-interest loans the easy way out in the short term. While it may be easy to get a payday loan, it is never a recommended strategy. The predatory nature of lenders working in the payday loan industry tend to make customers with poor credit their targets. Learn more about payday loans, tightened regulations to fight the high fees, and how Google feels about payday loan companies.


Can't Stop Spending? You're Not Alone

Impulse buying is a not just a bad habit – for some people it’s an addiction. They simply cannot stop spending money on unnecessary items, leaving themselves scrambling to pay regular bills, falling further and further into debt. If you have a problem with impulse spending, find ways to tie up your cash so you can't spend it, or at least make it harder to spend. Don't bring your credit cards with you when you're in high-risk impulse buying situations. Use cash, and limit how much you have on you.One of the best ways to curb your excessive spending is to use a secured credit card – you can’t go into debt using it, but you retain the spending flexibility of a regular credit card. Check out these 5 reasons to consider a secured credit card.

*Savings begin to be built after paying off initial commitment fee.