Credit Builder Program | Refresh Financial

Credit Builder Program

Realize your dreams and achieve your goals. If you dream of owning a home, buying a car, or simply getting approved for loans at better interest rates, our Credit Builder Program is for you.

Is the Credit Builder Program for Me?

Do you have dreams? Ambitions? Properly managed credit can help you reach your goals. Tired of paying cash deposits? Credit makes life more convenient. If you need a safe and easy way for building credit — our Credit Builder program is for you.
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Why the Credit Builder Program Works

Banks and other lenders use your credit score to determine how risky it is to lend you money. A bad credit score can mean they won’t lend to you (or if they do, they will charge very high interest rates). Learn how credit works. Payment history is like the scorecard for your credit score (industry people also call it your ‘financial resume’). We all know how those work, right? Doing something well means a higher score. Doing not so well (missing payments, maxing out your credit card etc.) puts you behind. Think of our Credit Builder Program as a “financial training camp”. Every payment you make in the program gets reported to the “referees” (credit bureau) as positive, and they increase your score accordingly by giving you points. While those improvements to your credit score may start small, they build over time. In the end, you’re left with a sparkly-shiny new credit score and a world of new opportunities ahead of you. With good credit, the world is your oyster.
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How the Credit Builder Program Works

When you sign up for the Credit Builder program, we create a secure account that no one can touch or access. The Credit Builder program is arranged into affordable payments for you (on a payment schedule that fits your lifestyle). Each of these payments contain an interest component. With this interest, we are able to report your program as an ‘installment loan’ to the credit bureau. With every payment made, your credit climbs as their trust in you grows! Once you’ve finished the Credit Builder program, you will have built up a little nest egg for yourself. As only a small portion of your payments go to interest and fees; the rest is yours! So you can go backpacking, pay down student loans, or just put it aside for a rainy day. So what you get at the end is a much improved credit score, a new habit of making payments on time, and a chunk of cash to spend however you like (not enough to buy a private island, though).
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Six months ago I came with a credit score of ZERO. I was assured Refresh would help my credit and was asked to come back in six months to check again. I was blown away when I found out I had good credit. It was beyond my expectations and I qualified for a loan. I was very impressed with the professional and genuine helpful service I received. I've since and will continue to recommend Refresh to friends, family, and people at work with confidence that they too will be satisfied. Thanks everyone! "

Lucas, Niagara Falls, ON