Like a loan. But backwards.

We do things differently.

 

Boost your credit

Every payment you make gets reported to the credit bureaus, giving you that all important positive payment history.

 

Build your savings

By the end of your program, you'll have a stash of cash to use however you like*.

 

Get financial wisdom

Become financially savvy through our financial intelligence training and Dime Turner™ blog.

 

Say goodbye to no

Hearing no when it comes to your finances will become a thing of the past with good credit, financial fitness, and savings up your sleeve.

Why Refresh

There is only one way to build good credit - by borrowing responsibly and making your payments on time. The main difference with Refresh is that you are actually saving money. With Refresh, you are getting:

The original

With over 50,000 credit builders,
you know you're in good hands.

Free financial education

Through your free financial intelligence training,
you can learn the secrets of the financial experts and get ahead for good.

White glove service

We're dedicated to your success.
Our team will answer any questions about
your credit to help you reach your goals.

Tailored to you

Everyone is different.
Our variety of programs are designed to
fit your budget, lifestyle and goals.

I’ve done pay day loans in the past but didn’t know a whole lot about credit until recently. So I checked into my credit score. I was very disappointed to find that I had a 0 credit score as I have never had or needed any credit cards or lines of credit. I knew I wanted to buy the house I live in so I knew work was needed, but I never thought it would be as easy as purchasing REFRESH!!! I bought it in June of this year, waited or 2 months and was approved for my first credit card. I was so excited. It gets better!!! Then I waited 5 months, and would you believe it. Only 5 months after purchasing refresh my credit score was strong enough to finally get approved for my first brand new car with no down payment, low biweekly payments, no cosigner, and no car trade in. My bank also tells me if everything stays good I will own my home within a year. After years of thinking there was no hope I am only months away from owning my home. THANKS REFRESH!!!! Please share this story with everyone you can! ”

Emily, Truro, NS