CreditFresh Line of Credit

It’s important to have the comfort of knowing that when the need arises, you have a financial safety net in place to tackle any unexpected expenses that come your way. The CreditFresh Line of Credit by CBW Bank is a convenient way to ensure that you have credit available to you when you need it.

The process is simple and convenient, as you get started through a secure online platform, and if you’re approved, you can request the money you need anytime as long as you have available credit. The charges you pay on your Line of Credit are based only on the amount of credit you use, not the total amount of credit you have available to you.

In order to request a CreditFresh Line of Credit, 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

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.

Begin the Process Online

Submitting a request only takes a few minutes.

Quick Approval1

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

Request a Draw

If approved, and you request a draw, money can be deposited into your bank account as soon as the next business day3.

Amount Available

If approved, your credit limit will range between $500 and $2,500, depending on specific criteria.


Billing Cycle Charge which is calculated based on the amount of credit you use, not the total amount of credit you have available to you.

Making a Draw

The money you need is at your fingertips. With the CreditFresh Line of Credit, you are in control. Simply log into your account to make a draw on your Line of Credit and you’ll be able to withdraw all the credit available to you at once, or in smaller amounts over time. Any requested funds will typically be deposited into your bank account the next 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 payment towards your Outstanding Principal Balance. You can either pay the Minimum Payment, or you can pay down more. Paying more will decrease your Outstanding Principal Balance which increases your available credit. Just call us at 1-800-766-2007 to request an additional payment4.

Payment activity is reported to TransUnion which 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, the Minimum Payment payable on your upcoming due date, and when that due date is. It will be issued at least 14 days prior to your applicable Payment Due Date.

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