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By registering your interest, you agree to be bound by our General Terms of Use, Free Credit Score Terms, and Privacy Policy.

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Enter some basic information about yourself.


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Answer a few quick questions.


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Authenticate your identity with Transunion.


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Get your credit score.


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

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 23.84% - 37.40% depending on the size of the loan chosen, and includes a loan setup fee of $200 - $400 deducted from the loan proceeds.

This is a short testimonial about your great customer service!!! I recently sent an e-mail to Refresh Financial about my changing circumstances and some questions that I needed answered. I received a prompt return phone call from Ally. After speaking with Ally, we were able to work out a new financial arrangement which would keep my program  in tact and continue to help re-build my credit rating. There would be no penalties for making the change and would help me in pursuing my other financial goals. I am happy with Refresh and the new program  arrangement. I am very happy with Ally—she deserves a 5-star rating on customer service.”

Bill, Hamilton, ON