Money Tools - Understanding Credit and Building Credit | Refresh Financial

Credit Calculators

Ever wondered just how much your credit rating affects the amount of interest you end up paying over the lifetime of a mortgage, car loan, or cash loan? Check out our loan interest calculators to see just how much money an improved credit rating can save you.


Car Loan

Cash Loan


Starting Over after Consumer Proposal or Bankruptcy

A step-by-step guide to rebuilding credit

Financing your first home

Maximize your chances of mortgage approval

Credit in Canada

A study of the level of understanding surrounding credit, how it differs from generation from generation, and how it’s impacting our nation’s mental health

Official blog of
Refresh Financial

What is my
credit score

Show me my free credit score

What Canadians are saying about Refresh

"Great company to deal with for rebuilding credit, very simple proess to get started."

- Mike L

"I've been in the progran a year now and have noticed my credit has improved drastically!."

-Sara B

"I am now in a position where I am able to obtain credit (just bought a brand-new car and refinanced my mortgage for a fantastic rate) and it took little to no time at all."

-Cathy M