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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Refresh Financial's account


How to register an account?

An online account on the Refresh Financial company website functions as a store.

Customers can use the account for the following purposes:

  1. Obtain information about the loan application. Please note that in case of a rejection, the financial company reserves the right not to disclose the reason for refusal.
  2. Get updates about the current loan.
  3. Verify the repayment schedule and the amount of debt.
  4. Repay the loan either completely or partially.
  5. Apply for a new loan or a secured card.
  6. Learn about personal offers and promotions.

Customers are only allowed to have one Refresh Financial account. The system carefully ensures that duplicate accounts are not created.

Registration for an account with Refresh Financial is pretty easy. You need to take the following steps:

  1. Go to Refresh Financial official website;
  2. Press "Sign in";
  3. Click on the "Register" link;
  4. Fill in your first and last name as well as a valid email address;
  5. Click "Register" and follow the instructions.

You will be required to send us a scan of your state ID.

How to reset a password?

In case you have forgotten the password, you can take the steps listed below to reset and create a new password on your Refresh Financial account.

  1. Open the Refresh Financial company official website or mobile app;

  2. Click on the "Sign in" button;

  3. Click on the "Forgot your password" link;

  4. Enter your relevant email address and click the "Reset password" button.

  5. Check your email inbox and follow the instructions attached in the email letter.

How to delete an account

To delete an account from the system of Refresh Financial, you need to send a request to the Help Centre by filling out the special form on the website.

Once the request has been confirmed, the account will be deleted, and you will be notified by email.

Support service

To learn more about Refresh Financial products and access Refresh Financial support, you can go through the following channels:

  • Phone: 1-800-746-4840
  • Email:

Clients with an existing Refresh financial account can use the website to contact the Help Centre.

Financial products

Refresh Financial
Credit builder loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

up to 19.99%

Loan term for the financial product

up to 60 months

Calculate loan payments in Refresh Financial

Refresh Financial calculator will allow you to calculate an approximate payment schedule for the loan

Refresh Financial calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 03.10.2022
Loan amount

Enter the desired loan amount

1250 $
10000 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Refresh Financial

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Refresh Financial from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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All Refresh Financial’s reviews by October 2022
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