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Refresh Financial helps people
build a better financial reputation
Build your credit score safely without going into debt!
How it works?
Our goal is to help Canadians take control of their finances.
We do that by providing programs that help people to build credit safely.
| Plans | Cash secured savings loan | Secured credit card |
|---|---|---|
| What is it? |
A loan that you repay before gettּing access to the funds. No funds are provided upfront. Instead, funds are placed into a secured account to be accessed later. Your payments are reported to the credit bureaus, impacting your credit score. |
Just like a regular credit card except that approval is guaranteed as you secure the card with some of your own funds. Your monthly payments are reported to the credit bureaus, impacting your credit score. |
| Interest rate |
5.95% - 7.95% |
17.99% |
| Helps me save money? | ||
| No cash upfront? | ||
| A 'set it and forget it’ solution for building credit? | ||
| Approval with no credit check? | ||
| Can be approved without a co-signer? | ||
| Free financial education? | ||
| Build credit on daily purchases? |
