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Room to breathe
with up to $15,0001

With the flexibility of a FreshLine Line of Credit, you can borrow what you need, when you need it5. Transparent rates, no surprises, and the space to plan your next step.

Checking your eligibility has no impact on your credit score4.

Credit that's there when you need it5.

You will receive a notice explaining how your credit profile may impact the cost of your Line of Credit.

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Credit Limit
$500 - $15,000
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APR
35% - 98%
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Cash Advance Fee
10% per draw
account_balance_wallet
Credit Limit
$500 - $15,000
money_bag
APR
35% - 99%
payment_arrow_down
Cash Advance Fee
10% per draw
Minimum Payments

A simple payment structure.

Each Minimum Payment is made up of two components.

Making your Minimum Payments on time is the easiest way to stay on track with your FreshLine Line of Credit. If a scheduled Minimum Payment is returned as unpaid, a Non-Sufficient Funds (NSF) Fee may apply. For more information, please visit our FAQs.

Mandatory Principal Contribution

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The Mandatory Principal Contribution is the portion of each Minimum Payment that goes towards paying down your principal balance. The Mandatory Principal Contribution will vary depending on your income frequency.

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Interest Charges

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Interest will be charged on your principal balance. Interest is only charged on the amount you borrow and not on your total credit limit.

Making your Minimum Payments on time is the easiest way to stay on track with your FreshLine Line of Credit. If a Minimum Payment is missed or unsuccessful, a Late Payment Fee of $10 may pply. For more information, please visit our FAQs.

Payment Calculator

Try it out for yourself.

See how your payment changes based on what you borrow.

1

2

$100

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Pay the Minimum

This is the minimum amount you are required to pay. Make your Minimum Payments on time to keep your account in good standing. Your Minimum Payment will change with each due date.

Interest
$0

Mandatory Principal Contribution

+

$0
Minimum Payment

=
$0

Pay Extra

To pay down your balance faster and reduce the total interest you pay, try making extra payments whenever possible. Making only Minimum Payments takes longer to pay down your FreshLine Line of Credit and can increase your overall cost.

Paying more than your minimum when possible may help reduce the total interest you pay. Online payments are an easy way to make extra payments when you can.

Read Morearrow_right_alt

This calculation is for illustrative purposes only and reflects an annual interest rate of 98%. The Minimum Payments due for each billing cycle will vary depending on the activity on your account. A 10% Cash Advance Fee is automatically deducted from the money that is sent to you.

Make extra payments, lower your principal balance, save on interest.

Paying more than your Minimum Payment on each due date when you’re able can help lower your principal balance and save on interest. This assumes that no additional draws are taken.

In this example, the principal balance is $2,000 with Minimum Payments due bi-weekly. This example compares the impact of making just your Minimum Payments to making extra payments towards your principal balance on each due date. This example assumes no additional draws are taken during this time.

Only Paying the Minimum Payments

$1,500.00

Principal Balance After 10 Minimum Payments

Save 12.7% in interest

VS
Paying $50 More Each Payment

$1,000.00

Principal Balance After 10 Payments

Save 12.7% in interest

Michael Only Pays the Minimum
Payment Amount

$1,831.37

Principal Balance After 10 Payments

VS
Michael Pays $50 More
Each Payment

$1,353.28

Principal Balance After 10 Payments

Savings of 11.4% in fees

Calculation is for illustrative purposes only. Actual impact may vary based on your account activity.

Requesting a Draw

How it works.

When you request funds from your FreshLine Line of Credit, a 10% Cash Advance Fee is automatically deducted from the money that is sent to you. You’ll always see exactly how much you’ll receive before you take out money.

The Deposit Amount is the money you’ll receive after the 10% Cash Advance Fee is deducted. Interest is charged on the full Requested Draw Amount.

Requested Draw Amount
Enter an amount between $50 and $15,000
Deposit Amount

($0 Requested Draw Amount - $0 Cash Advance Fee)

$0

Column

Built by trusted financial institutions, so you can focus on the path ahead.

Column

The FreshLine Line of Credit is provided by Column N.A., a nationally chartered bank, and serviced by CreditFresh.

CreditFresh

CreditFresh is a trusted service provider having serviced over 400,000 Lines of Credit, helping people move forward.

Frequently Asked

Got Questions?

We can help.

Our bank partners consider the bigger picture, not just your credit score. Even those with less-than-perfect credit may still qualify.

No, checking eligibility will not impact your credit score with the major credit bureaus. If your application for credit is approved, your account activity may be reported to TransUnion.

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:

  • Proof of bank account (e.g. void check)
  • Proof of identity (e.g. driver’s license)
  • Proof of income (e.g. bank statement)
  • Proof of residence (e.g. utility bill)

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.

Protecting your information is a top priority. We work with trusted third-party providers like Flinks and DecisionLogic that use bank-level encryption and strict security standards.

  1. Your login credentials are never seen, stored, or shared with CreditFresh or our Bank Lending Partners.
  2. We do not have access to your username or password.
  3. The connection is read-only, which means we can only view the specific information needed to verify your account — nothing else.

This allows us to review your application securely while ensuring your information private and protected.

The FreshLine Line of Credit is currently offered in California.

Got More Questions?

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Ready to get started?

Check your eligibility in minutes with no impact on your credit score4.

Checking your eligibility has no impact on your credit score4.