Get Started | Refresh Financial

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.

Get started with your credit building journey

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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.

Please enter date of birth
Please select valid Province

The Secured Card is offered in but not the Credit Builder Loan.

Do you still want to proceed?

No, thanks Yes, proceed

The Credit Builder Loan is offered in but not the Secured Card.

Do you still want to proceed?

No, thanks Yes, proceed

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.

Please enter your email
Please enter your phone number
You must agree to the important disclosures

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.

Use the sliders to select your current and ideal credit score

1. 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 Critical

300

750+

2. 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

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 credit building solution that will suit your needs.

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.

This will help us recommend a credit building solution that fits your budget. We suggest choosing an amount that is equal or less than 10% of your total monthly income

$150

$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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