Frequently Asked Questions

Who is the CreditFresh Line of Credit offered by?

The CreditFresh Line of Credit is offered by CBW Bank, a rapidly growing FDIC insured bank founded in 1892 located in Weir, Kansas.

What are the benefits of a CreditFresh Line of Credit over other borrowing options?

While many short-term loans include unexpected fees, the terms of a CreditFresh Line of Credit are straightforward and transparent. You’ll have access to a secure online account to review your Line of Credit agreement, and other important terms of your Line of Credit. There is also an exceptional Customer Service team on standby to help you with any requests or questions. Additionally, your payment activity will be reported to TransUnion, which may impact your credit score2.

How much can I borrow?

If approved, your credit limit will range between $500 and $3,500, depending on certain criteria.

How much does it cost?

With a CreditFresh Line of Credit, you can always rely on clear and transparent disclosures. Your Billing Cycle Charge, which is based on how much principal is outstanding throughout your billing cycle will be clearly disclosed to you in your Periodic Statement. Click here to find out more.

How can I get in touch?

You can always reach us by phone or online! Simply call our Customer Service team at 1-800-766-2007, or email us at You can also log into your online account to see important account information or request a draw.

What is a personal line of credit?

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 have access to funds up to a specific credit limit. The benefit of a line of credit is that so long as you make payments towards your principal, more credit will be available for you to draw, up to your credit limit.

How is a personal line of credit different from an installment loan?

A personal loan, which includes installment loans, is a lump sum of money that is required to be paid back, usually with interest and/or fees. Installment loans are repaid over a period of time through a number of scheduled payments. A personal line of credit, on the other hand, gives a borrower access to funds up to a maximum amount (or credit limit). Interest and/or fees are generally charged on the amount withdrawn, not on the credit limit. With a personal line of credit, if there is an outstanding balance, a borrower will be required to make minimum payments, however, depending on the borrower’s repayment activity, the borrower can make draws, repay and redraw as needed, so long as there is available credit.

How do I know if my request for a Line of Credit has been approved?

If your request for an online personal Line of Credit is approved, you will receive an email notifying you of your approval.

When will I receive my funds?

If you’re approved and you request a draw before 1:00 pm ET Monday to Friday, funds will typically be deposited into your bank account the same business day, otherwise funds will be deposited the next business day.

All funding cut-off times are subject to change. The date and time funds are made available to you by your bank is subject to your bank’s policies. If you require any assistance or for more information, contact Customer Service at 1-800-766-2007.

Questions about Qualifying

How do I qualify?

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.

How do I get started?

Simply click “Get Started” on our home page or call our Customer Service team at 1-800-766-2007 and speak to one of our friendly Customer Service agents.

Do I need a bank account?

You need a bank account to be approved for a CreditFresh Line of Credit.

Can I verify my banking information electronically?

Yes, you may be able to verify your banking information electronically during the approval process. This service is free and secure and provides a read-only snapshot of your recent transactions on your bank account to help process your request for a CreditFresh Line of Credit quickly. Please note that you must currently use online banking to take advantage of this service; not all banks are accepted.

Some of the benefits include:

  • Faster Turnaround: Instant account verification may help process your request faster.
  • More Convenient: Electronic verification may be done in minutes without lengthy phone calls with your bank.
  • Secure Authentication: Securely verify your banking information online. Your login details are kept strictly between you and your bank on a secure exchange and will not be shared with CreditFresh, DecisionLogic or CBW Bank.

Which states do you offer credit in?

The CreditFresh Line of Credit is currently offered in Alabama, Delaware, Florida, Idaho, Illinois, Indiana, Kentucky, Kansas, Michigan, Missouri, Nebraska, Ohio, South Carolina, Texas, Utah, Washington and Wisconsin. Additional states will be operational soon. Check back often to see if the CreditFresh Line of Credit is available in your state of residence.

Are there any fees to apply?

There are absolutely no fees to request a CreditFresh Line of Credit. See Rates page for details on the cost of a CreditFresh Line of Credit.

Can I cancel my Line of Credit?

You can cancel your Line of Credit without penalty within 1 business day from the Effective Date of your Agreement. To cancel, call Customer Service at 1-800-766-2007 or email Note: if you cancel your Line of Credit, you will be responsible for returning any principal amount received back to us.

Questions about Payment

How do I pay back?

CreditFresh will issue you a Periodic Statement outlining your Minimum Payment and your Payment Due Date. If you choose to provide an ACH Authorization, your payments can automatically be debited from your bank account so you don’t have to worry about making arrangements for each payment.

How much do I have to pay back?

You will have to make a Minimum Payment each billing cycle. Each Minimum Payment will include a Billing Cycle Charge, calculated based on your Average Daily Principal Balance, and a mandatory contribution towards your Outstanding Principal Balance.

When will I receive my statement?

You will be sent your Periodic Statement at least fourteen (14) days prior to when your applicable Minimum Payment is due.

Do I have to pay off my balance in full?

The CreditFresh Line of Credit is an open-end product which requires you to make Minimum Payments periodically. Just keep in mind that you will be charged a Billing Cycle Charge on your Average Daily Principal Balance at the end of each billing cycle, so we recommend making additional payments if you can afford it. The mandatory principal payment included in your Minimum Payment helps ensure that your Outstanding Principal Balance is paid down over time.