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.

How quickly do you want to build credit?

Find a pack and speed that’s right for you

Credit Builder Loan

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Size

$1,250      $2,500      $5,000
$10,000      $25,000

APR

19.99%

Unlike a Personal Loan, no money is provided up-front with a Credit Builder Loan. You make payments into a secured account that you can access at any point. Your payments are reported to the credit bureaus, which improve your credit score.

Secured Card

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Credit limit

$200 - $10,000

Interest rate

17.99%

Annual fee

$12.95

Maintenance fee

$3/month

Secure your credit limit with a required deposit then build your credit by making the same everyday purchase you already make.

Black Tier

Learn more

Get access to

the ultimate credit building experience

The ultimate credit building experience. View your credit report, run simulations, and get tons of awesome perks – all in one place!

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

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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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 will 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. You can withdraw the savings without canceling or pausing the credit building program.

Build your
credit score
-fast-

Get started