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

BUILD YOUR
CREDIT SCORE

Use a Credit Builder Loan to establish good credit and reach your financial goals.

Refresh Financial vault and credit card product image

What's a Credit Builder Loan?

Build your credit now

Refresh Financial - A Borrowell Company

Improve your credit for as little as $43* per month

Build credit as you save for a future purchase

No credit check required

Not a cash loan

What Does it Cost?

We offer four different options.

$21.37

bi-weekly

for 36 months

Total payment amount

$1,667

Get back in savings

$1,250

Annual Percentage Rate

19.99%

$42.74

bi-weekly

for 36 months

Total payment amount

$3,333

Get back in savings

$2,500

Annual Percentage Rate

19.99%

$60.97

bi-weekly

for 60 months

Total payment amount

$7,926

Get back in savings

$5,000

Annual Percentage Rate

19.99%

$121.94

bi-weekly

for 60 months

Total payment amount

$15,852

Get back in savings

$10,000

Annual Percentage Rate

19.99%

$ 21.37

bi-weekly

$ 42.74

bi-weekly

$ 60.97

bi-weekly

$ 121.94

bi-weekly

$ 21.37

bi-weekly

for 36 months

Total payment amount

$ 1,667

Get back in savings

$ 1,250

Annual Percentage Rate

19.99%

$ 42.74

bi-weekly

for 36 months

Total payment amount

$ 3,333

Get back in savings

$ 2,500

Annual Percentage Rate

19.99%

$ 60.97

bi-weekly

for 60 months

Total payment amount

$ 7,926

Get back in savings

$ 5,000

Annual Percentage Rate

19.99%

$ 121.94

bi-weekly

for 60 months

Total payment amount

$ 15,852

Get back in savings

$ 10,000

Annual Percentage Rate

19.99%

How Does IT work?

  • Make bi-weekly payments Make bi-weekly payments

    Each payment is deposited into a secured account to build payment history.

  • Build your credit score Build your credit score

    Your payments are reported to Equifax & TransUnion, helping you build credit history.

  • Grow your savings Grow your savings

    Set money aside in this account for a future purchase as you build credit. You can access your savings (minus fees and interest) or cancel at any point.

How Does IT work??

No credit history required - guaranteed approval.

  • No credit history required - guaranteed approval. New to Canada? Build your credit history from scratch.
  • No credit history required - guaranteed approval. Recovering from bankruptcy? Rebuild your credit to get a fresh start.
  • No credit history required - guaranteed approval. This product can help you improve your credit score over time.
No credit history required - guaranteed approval.?

Why Use Refresh Financial?

Trusted by 100,000+ Canadians since 2013

Nadira Paul

Excellent! Exceeded my expectations, great customer service, no hidden rules, helped me in a huge way. My score went up by 60-80 points in 24 months. Definitely recommend 10++.

Darren Murray

They have helped me get my credit score from 350 and now I am in the 600s almost ready to get a mortgage. Refresh was a huge part of that!

Gabriel Wilson

Refresh Financial offered to help build my credit. The loan program I believe did help by adding on to my credit lines. They were friendly from start to finish and lived up to what they said. Thank you Refresh Financial for helping me improve my credit score. My wife and I now have our first mortgage.

Nadira Paul

Excellent! Exceeded my expectations, great customer service, no hidden rules, helped me in a huge way. My score went up by 60-80 points in 24 months. Definitely recommend 10++.

Darren Murray

They have helped me get my credit score from 350 and now I am in the 600s almost ready to get a mortgage. Refresh was a huge part of that!

Gabriel Wilson

Refresh Financial offered to help build my credit. The loan program I believe did help by adding on to my credit lines. They were friendly from start to finish and lived up to what they said. Thank you Refresh Financial for helping me improve my credit score. My wife and I now have our first mortgage.

Ready to
Build Your Credit?

Get started with a Credit Builder Loan today from Refresh Financial, powered by Borrowell.

Make your financial dreams a reality.

Build your credit now
Ready to Build Your Credit?