CreditFresh Review 2025. All you need to know before applying

- Nov 18, 2025

Adheres to

CreditFresh offers credit lines for those with poor credit through a transparent yet expensive lending model.

While their application process is streamlined, their high billing cycle charges can trap vulnerable borrowers in debt cycles.

Customer experiences are mixed, with significant complaints about predatory practices and non-responsive customer service.

Best used as a last resort for emergency funds, not as a long-term financial solution.

Access to cash for bad credit borrowers.
On-time payments can help to boost credit scores with main credit reference agencies.
Creditfresh is transparent with their billing cycle charges

CreditFresh - Financer Score™

Read reviews (40)

Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Pricing

CreditFresh offers lines of credit with fees based on billing cycles rather than traditional APRs.

They disclose that it’s an expensive form of credit, but exact costs depend on state and creditworthiness.

Customer Support

No response to customer inquiries, indicating extremely poor service. This lack of communication makes it impossible for customers to resolve issues or get clarification.

Terms and Flexibility

Terms are clearly explained, with no hidden fees and clear repayment schedules. However, flexibility is moderate and cost transparency could improve.

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Multiple complaints about predatory practices, hidden fees, and complicated terms. Many users report feeling trapped in a cycle of debt with minimal customer support.

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CreditFresh Loan – Details

Terms & fees

Loan amount$500 - $5,000

Term2 months - 2 years

Annual interest rate143% - 600%

Origination fee$0

Monthly feesIncludes billing cycle charges

Requirements

Minimum age18

Minimum income$0

National bank requiredYes

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodNo

Accept bad credit historyYes

Weekend payoutNo

Loan extensionsYes

Early paybackYes

Payment within 24 hoursYes

Loan brokerNo

Interest free loanNo

Additional fields

Payment hours8am-9pm

High approval rateNo

Recommended companyYes

Company information – Details

Company nameCreditFresh

Websitehttps://www.creditfresh.com/

Phone1-800-766-2007

Emailcustomerservice@creditfresh.com

Address200 Continental Drive, Suite 401, Newark, DE, 19713

Get started

Founded in 2019, Creditfresh is a Delaware-based lender offering lines of credit to borrowers in 24 US states.

Creditfresh is in partnership with CBW Bank, and First Electronic Bank (Both FDIC Members) and offers lines of credit up to $5,000.

Note: Creditfresh lines of credit are available in 24 U.S. states: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin.

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How We Rate Creditfresh

At Financer, all lenders go through a thorough research and review process. Here's how we rate Creditfresh:

Category	Rating
Affordability	⭐⭐⭐
Application process	⭐⭐⭐⭐
Loan terms	⭐⭐⭐
Transparency	⭐⭐⭐
Customer support	⭐⭐
Overall	⭐⭐⭐

CreditFresh Overview

CreditFresh partners with financial institutions to provide fully integrated technology and service solutions to expand their current product offerings and provide consumers with access to credit.

Here's a quick summary of Creditfresh:

Overview	Features
Loan type:	Line of credit
Loan amount:	$500 - $5,000
APR:	From 65%
Min. credit score:	None
Monthly fees:	None
Payout time:	One business day
Weekend payout:	No
Requirements:	At least 18 years oldU.S. citizenActive bank accountRegular incomeValid phone number and email

Requests for credit submitted on this website may be originated by one of two Bank Lending Partners including CBW Bank, Member FDIC and First Electronic Bank, Member FDIC.

Requesting a Line of Credit through CreditFresh is done completely online. The process is simple, quick, and completely transparent, with clear repayment terms and no hidden charges.

Access to a Line of Credit through CreditFresh varies by state.

CreditFresh reviews as mostly positive and borrowers note that the website is easy to use with great customer support.

Products Offered

The Line of Credit through CreditFresh has a maximum credit limit of $5,000. A line of credit is an open-ended credit product that allows you to take draws, repay and redraw as needed.

A line of credit is a flexible way to have a safety net for any unexpected expenses.Request a Line of Credit Now

Why Choose CreditFresh

Choosing a personal line of credit through CreditFresh has many benefits:

Fast funding. If approved, any requested funds may be deposited into your bank account as early as the same business day*; timing of funding may vary. The date and time the funds are made available to you by your bank is subject to your bank’s policies.
A transparent experience. Navigating credit products can be challenging and frustrating. A line of credit through CreditFresh offers a fully transparent experience.
Part of your credit journey. As customers move through their credit journeys, they may become eligible for reduced billing cycle charges and/or increase credit limits based on a good payment history over time. Actual eligibility is based on individual circumstances.

How CreditFresh Works

A line of credit through CreditFresh allows you to draw from your balance, repay, and redraw as needed. This is different from a traditional installment loan where you get a lump sum of money that you need to repay over a fixed loan term.

With a line of credit through CreditFresh, you only pay fees on the amount you borrow. You can withdraw money at any time, as long as you have available credit and an account that is in good standing.

An outstanding balance has to be paid with regular payments and your payment dates will typically align with your pay frequency.

The request process for a line of credit through CreditFresh is quick, simple, and transparent. The line of credit through CreditFresh is currently offered in:

Alabama
Alaska
Arizona
Arkansas
Delaware
Florida
Georgia
Hawaii
Idaho
Indiana
Kansas
Kentucky
Louisiana
Michigan
Mississippi
Missouri
Nebraska
North Carolina
Ohio
Oklahoma
South Carolina
Tennessee
Texas
Utah
Washington
Wisconsin

Tribal lenders

If your state of residence is not listed, it is likely because of regulatory restrictions governing your state. Click below to check out the best tribal lenders which adhere to less restrictions.

Creditfresh reports your account activity to TransUnion, so making regular payments and keeping your account up to date may help to improve your credit.

Line of Credit Requirements

Here are the requirements to request a line of credit through CreditFresh:

Be of legal age to contract in your state.
Be a U.S. citizen or permanent resident.
Have an active bank account.
Have a regular stream of income.
Have a valid contact number and email address.

Currently, no credit products offered through CreditFresh have rates that would meet the requirements applicable to lending to covered members of the U.S. Armed Forces and their dependents.

You may be required to provide additional information during your application, including the following:

Proof of bank account (like a void check)
Proof of identity (like your driver's license)
Proof of residence (like a utility bill)
Proof of income (like a bank statement)

Rates & Fees

There is a billing cycle charge that ranges between $5 and $410 and is based on the amount of money outstanding throughout your billing cycle (not your credit limit).

If you have an amount outstanding on your principal balance, you’ll need to pay a mandatory principal contribution in addition to the billing cycle charge with every minimum payment you make. This will ensure part of every payment is applied toward your principal balance.

You will only start incurring charges once you’ve received your funds.

Creditfresh does not charge an origination fee.
Creditfresh also doesn't charge a cash advance fee and there are no late fees.

Repayment Terms

You will receive a statement prior to your due date, detailing the activity on your account and the minimum payment due. The minimum payment includes the billing cycle charge and mandatory principal contribution. You can pay just the minimum balance, or pay more to reduce the total outstanding balance.

Reducing your principal balance will also increase the amount of credit available to you.

Uploading Documents

You can log into your secure CreditFresh account to upload your documents.

Navigate to your Profile, scroll down and click on Upload Document. Next, select the document type and description, then Choose File which will allow you to upload the required documentation.

You can upload most images and/or PDF files, up to 5MB in size. If you are required to provide multiple documents, you will need to upload each document individually.

Making a Withdrawal

You have immediate access to the money you require. To request a draw, just sign into your account and choose the amount you need.

You have the option of taking out the entire amount of credit at once or in installments. The funds may be deposited into your bank account as soon as the same day.

How Financer Rates Creditfresh

Our general opinion of the Line of Credit through CreditFresh is a positive one.

Whenever an issue was brought to their attention, it was addressed quickly and responded to with a proposed solution to the problem.

Support

Our experience with their customer service team was positive.They can be reached via email, or on their toll-free helpline and are well-trained and friendly when assisting their customers.

No matter how you reach out to their team, they are quick to respond and eager to help answer questions and solve any issues.

Website

We love simplicity, both in functionality and design, and the CreditFresh site delivers on each of these fronts. It’s easy to understand their website, and the loan application was very smooth.

It took us less than 10 minutes to fill out the application from beginning to end. They do a particularly good job of making every step clear and straightforward.The CreditFresh login is found on the front page of the website.

Does Financer Recommend CreditFresh?

Yes, we do. CreditFresh is a legitimate lending partner backed with FDIC Member banks. This is one of the more popular line of credit websites we have reviewed, and it's easy to see why their following is growing.

Their site and application process are streamlined and simple, and they provide high-quality and reliable support.

A line of credit through CreditFresh is a good option when looking for quick access to cash, especially for borrowers with poor credit.

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Why Customers Choose CreditFresh

The CreditFresh Line of Credit through CreditFresh offers flexible access to credit when you need it. Below we have listed just a few of the many advantages of choosing CreditFresh for your borrowing needs:

**A range to suit your needs: **A personal line of credit between $500 – $5,000.
**Quick funding: *Request a draw and the funds may be in your bank account as soon as the same business day!
**Request is not detrimental to your credit: Submitting a request will not affect your credit score.
**Flexible access: **Once approved, access your available credit when you need it, so long as your account is in good standing.
**Transparent process: **Easy to understand process.

*The date and time any requested funds are made available to you by your bank are subject to your bank’s policies. For specific funding cut-off times, visit the CreditFresh website.

**Submitting a request does not result in a hard inquiry to your credit report.

Learn more about their loan products here and read CreditFresh reviews below.

CreditFresh FAQs

Is CreditFresh reputable?

Yes. CreditFresh partners with financial institutions to provide fully integrated technology and service solutions to expand their current product offerings and provide consumers with access to credit.

Where can I find the CreditFresh login?

The CreditFresh login for clients is www.creditfresh.com.

How much can I borrow through CreditFresh?

The maximum credit limit through CreditFresh is $5,000.

How do I repay my line of credit through CreditFresh?

You will receive a statement before your due date with the minimum payment required. You can log into your CreditFresh account to make payments and you can also make additional payments to reduce your outstanding balance and increase the credit available to you.

When will I receive funds?

If approved, any requested funds may be deposited into your bank account as early as the same business day; the timing of funding may vary. The date and time the funds are made available to you by your bank are subject to your bank’s policies. For specific funding cut-off times, please see the FAQs on the CreditFresh website.

How do I qualify for a line of credit through CreditFresh?

To qualify for a line of credit through CreditFresh, at a minimum you will need to:

Be of legal age to contract in your state. Be a U.S. citizen or permanent resident. Have an active bank account. Have a regular stream of income. Have a valid contact number and email address.

How much does a line of credit from Creditfresh cost?

You can always expect a transparent process from Creditfresh. The cost depends on your billing cycle agreement which you can view on the Creditfresh website.

How do I verify my banking information?

You can verify your banking details electronically using DecisionLogic if you want an instant online verification taking only a few minutes. Or you can do it over the phone with one of our customer service agents.

How does DecisionLogic work?

DecisionLogic is used to expedite the processing of your application for a line of credit. It offers a read-only snapshot of the most recent transactions on your bank account. This service is free and secure. Please be aware that this service is not compatible with all banks and that you must currently utilise internet banking in order to use it. DecisionLogic uses 256-bit encryption and it's read-only service.

How do I cancel my account?

You can cancel your line of credit without any penalties within one business day from the effective date on your agreement. You can call customer service at 1-800-766-2007 or email customer support at customerservice@creditfresh.com to cancel.

Creditfresh Alternatives

Here's a list of alternatives to Creditfresh and how they compare:

Lender	Reviews	Loan Amount	APR	Max. Loan Term	Bad Credit?
PersonalLoans.com	View	$500 – $35,000	5.99-35.99%	Up to 6 years	Yes
BadCreditLoans	View	$500 – $5,000	5.99-35.99%	Up to 2 years	Yes
CashUSA.com	View	$500 – $10,000	5.99-35.99%	Up to 6 years	Yes
Fast5KLoans	View	$500 – $35,000	5.99-35.99%	Up to 5 years	Yes
Low Credit Finance	View	$100 - $5,000	5.99-35.99%	Up to 7 Years	yes

More Creditfresh Reviews

What Users On the Web Are Saying

Creditfresh gets 4.6 out of 5 stars on TrustPilot, with most users reporting a positive experience:

One thing to note is that Creditfresh is always quick with replies to customers and addresses issues immediately.

More User Reviews - Add Your Rating

Read more reviews on Financer from verified users below.

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