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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.

CreditFresh's account


You will need to create a personal loan online to apply for a CreditFresh line of credit. Your address eligibility impacts whether or not your account is accepted. If you are not approved owing to your state of residence, CreditFresh will provide you the option of being directed to other lenders in your state who offer the same service.

How to register an account

To create a personal account, you need to enter your state of residence, and it should be in one of the 17 states that CreditFresh is eligible for. Then enter a valid email address, social security number, and mobile number.

When you register an account with the lender, it will be easier to access your line of credit whenever you need it.

How to reset a password

If you forget your passcode, follow these steps to change it:

  1. Visit the website.
  2. Click on Login.
  3. Enter your State of Residence.
  4. Click Continue.
  5. Tap Forgot password.
  6. You will be asked to provide your email address.
  7. Click on Send Reset Link.
  8. You will receive a password reset notification in your email.
  9. Click on the link.
  10. Enter a new passcode.
  11. Confirm your new passcode.
  12. Tap Log in.

How to delete an account

To delete your account, email CreditFresh for assistance stating your intent of account deletion. The lender will check your account to confirm that there are no pending payments and erase your data and personal information from the company. If there is a pending transaction or there was a credit submitted, you must return the amount received as well as repay any money owed.


How does CreditFresh work?

CreditFresh offers borrowers an online line of credit to help them deal with an emergency or when they need a fresh start. However, it does not specify if it accepts borrowers with a limited credit score. When your loan is approved, you can request cash whenever you need it. Then, you can withdraw funds from your available credit all at once or in smaller amounts.

How do I contact CreditFresh?

You can contact the lender's customer service at any time if you have a problem via:

  • Phone: 1-800-766-2007

  • Online:

  • Mail: 200 Continental Drive, Suite 401, Newark, DE 19713

Calculate loan payments at CreditFresh

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

CreditFresh calculator
Interest rates are given in accordance with the rates of the CreditFresh in Washington, D.C. as of 25.09.2022
Loan amount

Specify the desired loan amount

500 $
5000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with CreditFresh

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between CreditFresh and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All CreditFresh’s reviews by September 2022
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