Lender
Rating by Finanso®
i

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.

3.4
(20 Ratings)

CreditFresh PayOff

Advertiser Disclosure

Repaying a CreditFresh line of credit is straightforward and flexible. You'll receive a Periodic Statement detailing your Minimum Payment and Payment Due Date. For added convenience, you can authorize ACH payments to automatically debit from your bank account, ensuring timely payments. Alternatively, you can make payments online using a debit or pre-paid card through your secure account. This flexibility allows you to manage your repayments in a way that best suits your financial situation.

creditfresh repay

Make Payments Online Through the Bank Account

  1. Log Into Your Account. Visit the CreditFresh website and log into your secure online account using your email and password.

  2. Navigate To Payment Section. Once logged in, go to the payment section of your account dashboard.

  3. Choose Payment Method. Select your preferred payment method, such as a debit or pre-paid card.

  4. Enter Payment Details. Input the required payment details, including the amount you wish to pay.

  5. Confirm And Submit Payment. Review your payment information, then confirm and submit your payment to complete the transaction.

Make Payments Through a Different Bank

  1. Obtain Payment Details. Gather all necessary information, including your loan account number and the CreditFresh account details where the payment should be sent.

  2. Log in to Your Bank Account. Access your bank’s online banking portal by logging in with your credentials.

  3. Set Up a New Payee. Navigate to the bill pay or transfer section of your bank's website. Select the option to add a new payee and enter the CreditFresh payment details, including the bank account number and routing number.

  4. Schedule the Payment. Choose the payment date and enter the amount you wish to pay. Confirm the details and schedule the payment. You can choose to make a one-time payment or set up recurring payments if your bank supports this feature.

  5. Confirm and Track the Payment. After scheduling the payment, confirm the transaction. Keep an eye on your bank account to ensure the payment is processed and funds are deducted.

Via ATM

  1. Locate an ATM. Find an ATM that supports loan payments. Some banks and financial institutions offer this service.

  2. Insert Your Debit Card. Insert the debit card linked to your bank account into the ATM.

  3. Select the Payment Option. Navigate through the ATM menu and select the option for making bill payments. 

  4. Enter Payment Details. Provide the necessary details, such as your CreditFresh account number. You might also need to enter the amount you wish to pay.

  5. Confirm and Complete the Transaction. Review the payment details for accuracy. Confirm the transaction to complete your payment.

Additional Resources

FAQ

How do I make a payment on CreditFresh?

You can make payments automatically from your checking account or manually using the CreditFresh website.

What happens if you do not pay back CreditFresh?

If you do not pay back CreditFresh on time, you will not be penalized. However, you should notify them if you will be late on a payment so that they may advise you on how to proceed so that your credit score report is not harmed. Even if they do not run a hard inquiry credit check when you apply for a line of credit, they will still report your account activity to TransUnion, which may affect your credit score.

Can you pay CreditFresh early?

Yes. CreditFresh can be repaid early at no extra cost.

Offers
Rating by Finanso®
i

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.

3.42
(20 Ratings)
Recommended FinScore™
0
300
650
1000
500.00 – 5000.00 $
Apply
Similars products
Finanso
Personal Loans
Rating by Finanso®
i

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™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 5 years
Apply
Rating by Finanso®
i

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™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

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.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 3 years
Apply
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 of 12.05.2025
Loan amount
i

Specify the desired loan amount

USD
USD
500 $
5000 $
Loan term
i

Specify the loan term for the calculation

days
months
30
365
State
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
CreditFresh reviews 2025
Leave feedback
4.8
Pros
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Complain
4.2
Pros
Credit Fresh is a reliable lender when you're facing a significant financial squeeze. However, as they openly acknowledge, it's a very costly option. It's wise to pay off the debt as quickly as possible, but consider keeping the account open. You never know when you might need it again.
Complain
2.4
Cons
This is my second experience using their services, and the first time was satisfactory. I managed to pay off the loan early without any issues. However, this time, the situation took a turn for the worse. The customer service agent was incredibly rude. I made an overpayment before the due date, and she informed me that, because I paid online the day before the due date, the entire amount went toward the principal. This felt unreasonable. When I requested to speak with a supervisor, my request was denied. Their conduct is becoming increasingly problematic.
Complain
2
Cons
This is an outright scam. I'm shelling out $400 every month, but my balance remains stagnant, leaving me in perpetual debt. It's essential for everyone to steer clear of such companies that exploit hardworking individuals struggling to make ends meet.
Complain
4.6
Pros
They are incredibly cooperative and accommodating. While I haven't made a draw from them yet, their payment terms appear to be more reasonable compared to other companies in this industry.
Complain
4.6
Pros
CreditFresh was a lifeline when I faced financial hardship. Their application process was incredibly straightforward, and I received the funds without any hassles. I highly recommend them.
Complain
4.6
Pros
The approval process is straightforward, easy, and quick. My only concern is not knowing the monthly payments upfront before signing the agreement. I believe they should provide this information beforehand. However, it's a quick and simple solution for emergency cash needs. Additionally, they are prompt in responding to email inquiries, which is quite helpful.
Complain
4.2
Pros
The CreditFresh website has an inviting design, and it's user-friendly with easy navigation. The terms of service are presented clearly, and the chat assistance is excellent. They provide fast and clear answers to all my questions.
Complain
2.8
Cons
The interest rate is incredibly steep, and reducing the balance is a real challenge. They deduct payments from my account every two weeks, and even when I make extra payments, it seems like the majority of it goes towards interest. I regret ever taking money from them, even though it was a necessity at the time. The fees they charge for each billing cycle are outrageous compared to the loan balance. It's clear that they take advantage of individuals with poor credit.
Complain
2
Cons
The fees are exorbitant. I'm hit with a $90 charge every time I make a payment, and I've borrowed $1,400. To make matters worse, every time I pay $100, they tack on an additional $50 to the outstanding balance. It feels like an endless cycle, and it's extremely challenging to pay off this loan.
Complain
Company rating
3.4
/ 5
20 reviews
Application
3.5
Support service
3.3
Mobile App
3.6
Service quality
3.3
Your satisfaction level
3.5
Similar companies
NaviRefi
123 S Justison St, Wilmington, DE 19801-5360
+1 (844) 381-6621
HESAA
PO Box 545, Trenton, NJ 08625-0545
+1 (609) 584-4480
RISLA
935 Jefferson Blvd, Suite 3000, Warwick, RI 02886
+1 (800) 758-7562
VSAC
10 East Allen Street, Winooski, VT 05404
+1 (800) 642-3177
Funding U
309 East Paces Ferry Rd. NE Suite 400, Atlanta, GA 30305