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


with a Credit Builder Loan available in two speed packs.

What's a Credit Builder Loan?


$1,250 - $25,000




36 to 60 months

No credit check

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



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


Annual fee


Maintenance fee


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

Black Tier

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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


Tell us about yourself


Verify Email


Choose your Pack


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.

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

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.

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



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



Financial Goal

Why do we need this information?

Nodody builds credit for fun. By knowing what your end goal is, we can give you the tools you need to achieve it.

What's your reason for building credit?

Like we said, nobody builds credit for fun. This is the reason why you decided to start an application with Refresh.

What’s your #1 goal you’re trying to achieve by building your credit score?

This is the first thing you're going to do after you've reached your ideal credit score.

What’s a secondary goal you’re trying to achieve by building your credit score?

This is the next thing you're going to do after you've reached your ideal credit score.


Why do we need this information?

There's no point in showing you a product you can't afford - talk about a waste of time! We use your income information to deliver you the most appropriate credit building solution for your situation, so you can make a decision without any hassle or delays.

What’s your total monthly income from all sources?

Income sources to consider are:

  • Regular employment/self-employment
  • Bonuses, commissions, and tips
  • Side hustle earnings
  • Spousal support (alimony and child support)
  • Government support (disability payments and pension)
  • Any other form of recurring income not listed above


Why do we need this information?

We want to help you build your credit and reach your financial goals, but we also want to ensure that building credit doesn’t cause you any hardship. The information about your monthly expenses allows us to offer you a custom credit building solution that won’t make it too hard for you to make ends meet.

What are your total monthly expenses from all sources?

Expense sources to consider are:

  • Rent/mortgage payment
  • Payday, personal, car and student loans
  • Average payment toward one or multiple credit card balances
  • Spousal support (alimony or child support)
  • Any other form of recurring payment not listed above

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.

The difference between your total monthly income and expenses is:


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.

We recommend that the amount you allocate for credit building is no more than 10% of your total monthly income.




Refresh doesn’t provide upfront cash, instead we’ll help you build credit using the money you already have.

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How to Build Credit

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

Get started

* This card is owned and issued by Digital Commerce Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. Digital Commerce Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

Financial Implications - Across Canada (excluding Saskatchewan and New Brunswick) Refresh Financial offers Credit Builder Loans, provided by Refresh Capital Corp. in fixed sizes ranging from $1,250 to $25,000, at a fixed interest rate of 19.99% APR with terms of either 36 months or 60 months.

Approvals - Approvals are subject to Refresh Financial’s review and underwriting guidelines which requires minimum monthly income, ID & banking verification.