Refresh Financial Visa

Build your credit score fast with a custom credit building solution from Refresh, available in three packs.

Learn the 5 key metrics that the credit bureaus use to determine your credit score

  • 10% of your credit score is for the different types of credit you have
  • 10% of your credit score in Canada is new credit and credit inquiries
  • 15% of your credit score is based on the length of time each account has been open and the length of time since the account’s most recent action
  • 30% of your credit score is made up of the amount of debt you have in relation to the amount of available credit you have (known as your utilization rate). Maintaining a balance on your credit card and/or line of credit isn’t necessarily a bad thing as long as it’s under 30% of the total amount of credit available to you
  • 35% of your credit score in Canada comes from on-time payments. This is any payment you make on ANY sort of credit

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How quickly do you want to build credit?

Find a pack and speed that’s right for you

Sprint Pack

  • Credit builder loan
  • Secured card
  • Get access to BLACK Tier the ultimate credit building experience

Jog Pack

  • Credit builder loan
  • Get access to BLACK Tier the ultimate credit building experience

Walk Pack

  • Secured card
  • Get access to BLACK Tier the ultimate credit building experience

Size

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

APR

  • 19.99%

Unlike a Personal Loan, no money is provided upfront 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.

What is a Credit Builder Loan?

Credit Builder Loans are a cross between a savings program and a loan. This will help you save money while also building up your credit. Every time you make a payment it is reported to the credit bureaus, which will improve your credit score.

How much “work” is required with the Credit Builder Loan?

You already have enough going on so the Credit Builder Loan is designed to be 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?

You are able to access the savings in your Credit Builder Loan whenever you like. You have the ability to withdraw the savings without pausing or canceling the credit building program.  

Get Started

consumer debt consulting

Get In Touch

Feel free to get in touch with us by using the form below.

Why Work With Us?

  • Guarantee your debt is reduced or you pay no fee.
  • Be debt free in 1 to 5 Years.
  • Homes, Vehicles are fully protected.
  • Collection agency calls will stop.
  • Wage garnish will stop.
  • Protect client from legal action.
  • Information on re-establishing your credit rating.