Credit Cards - Canada's Top Secured Credit Card | Refresh Financial

Welcome to - the ultimate credit building experience

Welcome to

- the ultimate credit building experience

BUILD YOUR
CREDIT SCORE
-FAST-

with a custom credit building solution from Refresh.

Start your credit building journey today!

Refresh needs to know a few details about you in order to offer you a custom credit building solution in the Refresh Dashboard.

This process will take about 5 minutes.

Personal Info

Why do we need this information?

We use your name and contact info to keep all your details in one single file, and so we can contact you in the event that your application is interrupted. We also use your province of residence and date of birth to determine what products we're legally allowed to offer you.

Credit Score

Why do we need this information?

Your credit score is one of the elements we use to determine your custom credit building solution. We need an accurate idea of where you are starting and where you want to get to.
Don't worry - this isn't a credit check; it doesn't affect your credit score, and there's no minimum score required to apply.

What’s your current credit score?
No minumum score is required to proceed

To help you get where you want to be, we need to understand where you are now. This will help us offer a credit building solution to your specific circumstances.

550 Very poor

300

750+

What’s your ideal credit score?

We can't help you reach your goals if we don't know what your goals are. Once we understand what kind of improvement you're looking for, we can offer a credit building solution that will help you get there.

750 Good

600

900

Financial Goal

Why do we need this information?

Nodody builds credit for fun. By knowing what your end goal is, we can give you the tools you need to achieve it.

What's your reason for building credit?

Like we said, nobody builds credit for fun. This is the reason why you decided to start an application with Refresh.

What’s your #1 goal you’re trying to achieve by building your credit score?

This is the first thing you're going to do after you've reached your ideal credit score.

What’s a secondary goal you’re trying to achieve by building your credit score?

This is the next thing you're going to do after you've reached your ideal credit score.

Income

Why do we need this information?

There's no point in showing you a product you can't afford - talk about a waste of time! We use your income information to deliver you the most appropriate credit building solution for your situation, so you can make a decision without any hassle or delays.

What’s your total monthly income from all sources?

Monthly income to consider for this field:.

  • Regular employment/self-employment
  • Bonuses, commissions, and tips
  • Side hustle earnings
  • Spousal support (alimony and child support)
  • Government support (disability payments and pension)
  • Any other form of recurring income not listed above

Expenses

Why do we need this information?

We want to help you build your credit and reach your financial goals, but we also want to ensure that building credit doesn't cause you any hardship. By providing us with information about your monthly expenses, you'll help us offer a customized credit building solution without making it too hard to make ends meet.

What are your total monthly expenses from all sources?

Monthly expenses to consider for this field:

  • Rent/mortgage payment
  • Payday, personal, car and student loans
  • Average payment toward one or multiple credit card balances
  • Spousal support (alimony or child support)
  • Any other form of recurring payment not listed above

Budget to build credit

Why do we need this information?

Everyone's financial priorities are different, and you can build your credit as fast or as slow as your budget allows. In order to help you reach your financial goals, we need to know what your credit building budget is so we can offer a custom solution that will suit your needs.

Total monthly income:

This is the income you told us two steps earlier.

Total monthly expenses:

This is the expenses you told us one step earlier.

What is your monthly budget to build credit?

Think carefully. Your credit building budget should be large enough that you can make progress, but not so large that it causes you hardship. We recommend that you stay within 10% of your total monthly income.

$50

$50

$1000

Refresh doesn’t provide upfront cash, instead we’ll help you build credit using the money you already have.

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Refresh considers your unique financial situation based on the following details

  • Location
  • Credit score
  • Financial goals
  • Income
  • Expenses
  • Budget

Dash toward your ideal credit score with a Sprint Pack

Build your
credit score
-fast-

* This card is owned and issued by DirectCash Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. DirectCash Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

Financial Implications - Across Canada (excluding Saskatchewan) Refresh Financial offers Credit Builder Loans, provided by Refresh Capital Corp. in fixed sizes ranging from $1,250 to $25,000, at a fixed interest rate of 19.99% APR with terms of either 36 months or 60 months.

Approvals - Approvals are subject to Refresh Financial’s review and underwriting guidelines which requires minimum monthly income, ID & banking verification.