Checking your eligibility has no impact on your credit score4.
A Line of Credit through CreditFresh lets you borrow up to your approved limit, repay, and redraw as needed5.
Getting started is fast, easy, and should only take minutes to get through. Checking eligibility won’t affect your credit score4.
We keep it moving. If you qualify, you’ll get a clear agreement outlining your limit and costs.
If you’re approved and you request a draw, money may be deposited into your bank account the same business day2.
Our bank partners consider the bigger picture, not just your credit score. Even those with less-than-perfect credit may still qualify.
When life puts the squeeze on you, and you need funds quickly, it’s good to know that CreditFresh is available to ease your anxiety!
You only pay charges on the amount you’ve borrowed, not your total credit limit.
No surprises, no hidden costs3. Everything will be clearly laid out in your agreement.
You can pay more or pay it all. There are no penalties for paying early.
Lines of Credit through CreditFresh are provided by CBW Bank, First Electronic Bank and Column N.A. (FreshLine).
Checking your eligibility has no impact on your credit score4.
Borrow as much or as little as you need, up to your approved credit limit5.
As you make payments, money will become available for you to borrow again5.
You only pay charges on the amount you’ve borrowed, not your total credit limit.
An open-ended form of credit. There are no maintenance fees for keeping your Line of Credit open.
A line of credit is a flexible way to borrow. You can use it, repay it and use it again, without having to reapply. An installment loan is a lump sum of money that’s usually repaid over a fixed period of time.
A Line of Credit through CreditFresh acts as a financial safety net, giving you quick access to funds for unexpected expenses or emergencies.
You may be able to build your credit history and impact your credit score as information on your account may be reported to TransUnion, one of the major credit bureaus4.
Agents are available to help 7-days a week through phone, text, email, and online chat.
Fast and easy. Get started now.
Checking your eligibility has no impact on your credit score4.
A personal line of credit is an open-end credit product that allows you to make draws, repay and redraw as needed, from your available credit. If approved, you can access funds up to a specific credit limit.
You’ll just need to provide basic personal information and banking details so we can verify your identity and confirm your income. The process can be completed online.
If we need more information to finish your application and we can't confirm certain details online or over the phone, we may ask for certain documents to help us verify your info.
Some examples of what we might ask for are:
Any documents you share—like bank statements or pay stubs—need to be less than 30 days old.
If you're sending ID, make sure it's not expired.
Please see the minimum eligibility requirements for a Line of Credit through CreditFresh:
Please note that currently, no credit products offered through CreditFresh have rates that would meet the requirements applicable to lending to covered members of the US Armed Forces and their dependents.
If you request a draw before the funding cut-off time, funds are typically deposited into your bank account the same business day, otherwise funds will be deposited the next business day. For specific funding cut-off times, click here. All funding cut-off times are subject to change. The date and time funds are made available to you are subject to your financial institution’s policies. If you need help, please contact us.
