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Overview - CreditFresh

CreditFresh Line of Credit products are offered by the well-established CBW Bank founded in 1892 in Weir, KS. More recently, it has embarked on a modernization initiative including launching online lending options for lines of credit through CreditFresh. Their recipe for success is to offer high quality loan products and focus on making the process simple, quick, and completely transparent, with clear repayment terms and no hidden charges.

While CreditFresh is located in Newark, Delaware, CBW Bank's main offices are still located in the small town of Weir, Kansas but their services are available online in multiple other states across the nation.

Our Review of CreditFresh by CBW Bank


Our general opinion of CBW Bank is a positive one. Having operated as a banking institution for over 127 years now, there were surprisingly few people with negative comments and reviews online. Whenever an issue was brought to their attention, either through CreditFresh or CBW bank directly, it was addressed quickly and responded to with a proposed solution to the problem.
Apply For A credit Fresh Loan Now


Our experience with their Customer Service team was a good one. They can be reached via email, or on their toll-free helpline and they’re 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.


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.com recommend CreditFresh?

Yes, we do. This is one of the more popular lenders we have reviewed, and it's easy to see why their following is growing. Their site and application process are streamlined and simple, they offer reasonable interest rates, and they provide high quality and reliable support. CreditFresh only charges fees on what portion of your credit limit is used. Financer.com can gladly say that CreditFresh is a good option when you're in need of a loan.

Why Customers Choose CreditFresh

The CreditFresh Line of Credit by CBW Bank 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 – $2,500
  • 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
  • Quick Funding: Request a draw and the funds will be in your account as soon as the next business day**!
  • Transparent Pricing: Easy to understand pricing, with one simple charge for each billing cycle, with clear repayment terms

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

**The date and time any requested funds are made available to you by your bank is subject to your bank’s policies.

Read more about their loan products here.

Why CreditFresh?

  • Line of Credit Up To $3,500
  • Only Pay Charges On What You Use
  • No cash advance fees, late fees, early payment fees
  • Next Day Fund Deposit

Reviews from customers

Ray Olsen
July 18, 2019
 Easy loan process, and best of all they're reporting to transunion credit bureau and helping me to build my credit. It's great to have my on-time payments help out my credit scores . 
Alfredo L
July 21, 2019
 Easiest application process I have seen. Their website was very easy to use and I was approved the first time I checked out their program
December 26, 2019
 i just want to know this finance. it looks reputable
Read more Reviews

Reviews - Read Customer Reviews of CreditFresh

  1.  No problem getting the loan, it is all the hidden fees, I took out the loan in January 2020 in the amount of $1625, I have already paid back $399, called today 4/16/2020 to pay off the loan, the Rep told be I owed over $1700 when i asked why she said it was the interest and fees.  BEWARE OF THIS COMPANY, I URGE YOU TO LOOK SOMEWHERE ELSE. TOTAL SCAM. 
  2.  They'll approve anything with a pulse.
     Using "cycling fees" should be illegal. We bring you business by seeking a loan and paying more then the aquired amount. Youll end up paying double what you borrowed if you see your term through. This company is a scam.
  3.  I happen to run into creditfresh there's so many wonderful reviews I will definitely get a hold of them very soon.
  4.  Everything
  5.  i just want to know this finance. it looks reputable
  6.  Great for helping build credit and the website is easy to use.
  7.  Chance to get a loan without insane fees
     Not available in the state of New York where I live ..which makes no sense and is a bummer
  8.  The Application was easy
     Other personal loan companies approved me for higher loan amounts
  9.  Easiest application process I have seen. Their website was very easy to use and I was approved the first time I checked out their program
  10.  The line of credit product is really good, to be able to charge it up and pay it down again over time is better to me than getting separate loans
     I would have liked to be approved for a higher amt.
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