Credit Rebuild | Refresh Financial

Say goodbye to 'no'!

Bankruptcy? Divorce? Poor Credit? No Problem! The Refresh program is designed to jump start your journey to a brighter financial future.

Sign up to receive more information about our safe, secure and affordable credit solutions.

*By selecting Sign Up, I agree to the Refresh Terms of Use.

Free Credit Score

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Boost your credit

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


Build your savings

By the end of your 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 good credit, financial fitness, and savings up your sleeve.

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.

Refresh Financial - Testimonial

I went through bankruptcy. When I started, my beacon score was next to zero and now it is at 610. I am really happy with the service so far and plan on seeing it through to the end.

Sydney, Nova Scotia