Lines of Credit
through CreditFresh

With a Line of Credit through CreditFresh, take comfort in knowing that you have a financial safety net in place to tackle any unexpected expenses that may come your way. A line of credit is a convenient way to ensure that you have credit available to you when you need it.

The process is simple and convenient. Get started through a secure online platform, and if you’re approved, you can request the money you need anytime, so long as you have available credit and your account is in good standing

In order to request a Line of Credit through CreditFresh, you must:

  • be of legal age to contract in your state of residence
  • be a US citizen or a permanent resident
  • have an active bank account
  • have a regular, consistent source of income
  • have a valid contact number and an active email address

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.


Begin the Process Online

Submitting a request only takes a few minutes.


Quick Approval1

Simply request a credit limit, securely verify your details, and review and sign your agreement.


Request a Draw Online

If approved, and you request a draw, money may be deposited into your bank account the same business day3.

Amount Available

If approved, your credit limit will range between $500 and $5,000, depending on specific criteria. As you move through your credit journey, based on your payment history over time, you may become eligible for reduced billing cycle charges and/or increased credit limits5.


You will begin to incur charges once you receive your funds. The Billing Cycle Charge is calculated based on the amount of money you borrow, not the total amount of credit you have available to you (your credit limit). If you have a principal balance outstanding, you will have to pay a Mandatory Principal Contribution in addition to the Billing Cycle Charges on each Minimum Payment. Learn more.

Making a Draw

The money you need is at your fingertips. Simply log into your account to request a draw. You can withdraw all the credit available to you at once, or in smaller amounts over time. Any requested funds may be deposited into your bank account the same business day3.


Before your due date, you will be issued a Periodic Statement which will detail the activity on your account during your billing cycle and the Minimum Payment required. Your Minimum Payment consists of your Billing Cycle Charge and a Mandatory Principal Contribution towards your Outstanding Principal Balance. You can make just the Minimum Payment, or pay more to reduce your Outstanding Principal Balance. Reducing this balance will increase the amount of credit available to you. You may log into your account to make a payment or call us at 1-800-766-2007 to request an additional payment4.

Your account status may be reported to TransUnion and may impact your credit score2.

Average Daily Principal Balance

This is the average amount of money you have borrowed on your Line of Credit during a billing cycle, not including any charges you may owe.

Outstanding Principal Balance

This is the amount of money that you have borrowed and not paid down on your account.

Your Periodic Statement

Your Periodic Statement contains useful information about your account activity, including your balance, your upcoming due date, and the Minimum Payment payable on your upcoming due date. It will be issued at least 14 days prior to your applicable due date.

Have more questions? Please refer to our general FAQ page.