Refresh Financial's Credit Building Program - Start building today!

BUILD YOUR
CREDIT SCORE
-FAST-

with a Credit Builder Loan available in two speed packs.

What's a Credit Builder Loan?

No cash is provided upfront.

Build credit and savings using your own money.

Just set it and forget it.

Four easy steps

Time investment: 20 minutes or less

1

Tell us about yourself

2

Verify Email

3

Choose your Pack

4

Finalize your documents

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

Please enter your first name
Please enter your last name

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

Our credit building solutions are best suited for people with a credit score under 750.

If you made a mistake and need to adjust your current credit score, you can go back to make the change.

If your credit score is over 750, we recommend searching unsecured financing options.

By registering your interest, you agree to be bound by our Terms of Use and Privacy Policy. Click here to read some important disclosures.

How to Build Credit
-fast-

What is a Credit Builder Loan?

A Credit Builder Loan is a cross between a savings program and a loan; you save money and build credit at the same time. All your payments report to the credit bureaus, which may help improve your credit score.

How much “work” is required with the Credit Builder Loan?

You’ve got enough on your plate so we’ve made the Credit Builder Loan simple, just set it and forget it. Funds are automatically pulled from your account on a bi-weekly or monthly schedule based on what's affordable for you for hassle-free credit building. It’s one of the best ways to build credit.

Can I access the savings in my Credit Builder Loan?

The savings within your Credit Builder Loan are yours to access whenever you please minus the interest. You can withdraw the savings without canceling or pausing the credit building program.

Build your
credit score
-fast-

Get started