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

What is my
credit score

Show me my free credit score

Six months ago I came with a credit score of ZERO. I was assured Refresh would help my credit and was asked to come back in six months to check again. I was blown away when I found out I had good credit. It was beyond my expectations and I qualified for a loan. I was very impressed with the professional and genuine helpful service I received. I’ve since and will continue to recommend Refresh to friends, family, and people at work with confidence that they too will be satisfied. Thanks everyone! “

Lucas, Niagara Falls, ON