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

Boost your credit

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


Build your savings

By the end of your credit building 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 a good credit score, 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 building clients,
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.

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

Refresh Financial Inc. and its loan products are not affiliated with any credit reporting bureau or entity in Canada.

Credit Impact - Refresh Financial offers short term secured savings loans and is not a credit repair service. A Refresh loan may help improve your credit score by building a credit history provided your payments are made in full and on time. While having a loan and honoring its obligations can help build credit, potential creditors may see too many loans as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.

Financial Implications - Refresh Financial offers secured savings loans, provided by Refresh Capital Corp., of $1,200, $2,300, $3,200 and $5,500 with terms of 36 and 60 months, respectively. The APR ranges from 7.26% - 29.95% depending on the size of the loan chosen, and includes a loan setup fee of $200 - $400 deducted from the loan proceeds.

What Canadians are saying about Refresh