Exclamation Mark IconThis company has below average rating which means some customers might have not been satisfied with the service.

Review of CreditFresh

    Summary

  • Easy online process

  • Personal lines of credit between $500 – $5,000

  • Fast funding

  • Flexible access to credit

  • Submitting a request will not affect your credit score

  • Toll free help line

What Is CreditFresh?

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.

Requests for credit submitted on this website may be originated by one of several 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.

Chosen 3,922 times
  • Lines of credit from $500 – $5,000
  • Only pay charges on what you use
  • Transparent process
  • Fast funding, as soon as the same business day*

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
  • Hawaii
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • New Mexico
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin

Note: A credit line is a flexible way to borrow to ensure you have a safety net for any unexpected expenses.

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.

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 towards your principal balance.

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

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.

How to apply for a line of credit through CreditFresh

Step 1

Visit the Website

Visit the CreditFresh website here.

Step 2

Submit Your Request

Submitting a request only takes a few minutes.

Step 3

Provide Your Details

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

Step 4

Get Approved

If approved, you can request a draw from your linke of credit and funds may be in your bank account as early as the same business day*. 

Chosen 3,922 times
  • Lines of credit from $500 – $5,000
  • Only pay charges on what you use
  • Transparent process
  • Fast funding, as soon as the same business day*

Our CreditFresh Review

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 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.

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.com Recommend CreditFresh?

Yes, we do. 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 isre streamlined and simple, and they provide high-quality and reliable support.

A line of credit through CreditFresh is a good option when looking for credit.

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 dtrimental 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; 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. 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.

Was this article helpful?

  • 2 out of 5 found this helpful

    How can we improve this article?


    Reviews of CreditFresh

    CreditFresh is rated 80 out of 282 companies in total rating and got an average review score of 2.3 based on 28 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
    Customer reviews
    Filter reviews Close Icon
    All reviews
    Sort by Close Icon
    Newest
    Best rated
    Worst rated
    Most helpful
    AP
    anson parillaud 1 review | May 24, 2022
    General Review
    Upsides
    None. I withdrew my application
    Downsides
    Phone representative asked for a lot of information he should have already had, such as bank acct and routing number. Seemed like con artists. I would avoid at all costs.
    Post
    Post reply
    G
    garad_harrell 1 review | May 18, 2022
    General Review
    Upsides
    No pros this is a scam I’m sure
    Downsides
    I don’t understand why they say you are approved for a certain amount of money and get your banking information and have you sign all the forms. Then they withdraw what they already said you are approved for. They should approve or deny you before they get your banking info and have you do all the paper work. I’m sure I probably just gave my identity and banking info to the black web.
    Post
    Post reply
    B
    bill_jackson 1 review | May 11, 2022
    General Review
    Upsides
    Easy line of credit to get.
    Downsides
    Total bait & switch. Kept getting Robo calls asking me to log into my account to verify some items, but my account only listed bank verification, and it said it was already done. So, after a couple days of the same old thing, I finally called them. The customer service rep proceeds to do the verification again and explains the terms to me even though I told her I understood the terms after she asked. Then the bait & switch. The CSR tells me I’m eligible for only $1300 when I previously did electronic bank verification and my account said I was eligible for $3475. I told her to forget it and hung up on her.
    Post
    Post reply
    L
    laurel_pickett 2 reviews | April 25, 2022
    General Review
    Upsides
    Really no pros
    Downsides
    This company is a giant scam
    Post
    Post reply
    L
    laurel_pickett 2 reviews | April 25, 2022
    General Review
    Upsides
    Really no pros
    Downsides
    A big scam
    Post
    Post reply
    A
    andrew_culpepper 1 review | March 17, 2022
    General Review
    Upsides
    The only positive thing I can say about Credit Fresh is, that it is quick to get funded.
    Downsides
    I borrowed $1725 for an emergency surgical procedure on my pet. I drew $1700 initially, my first payment was an automatic withdrawal of $272. I went to check what my net payment would be, and monthly it would have been over $300+. Checking further by principal balance was $1598, which was okay but the total owed was $1898, because of a $300 "billing cycle" charge. I only borrowed $1725 to start with, had paid $272 the first payment and still needed $1898 to pay off the account after one month. Luckily I was able to close the account. That's $470 fee for one month. The pets surgery was in February this is March and that's ridiculous.
    B
    bryant_nicholsApril 9, 2022

    This creditor service is nothing more than a predator lending service with a 57% or higher interest calculation based on the amount you borrowed. The advertisement is misleading and a scam. The processing of payment due dates are on the same day; they calculate said interest. For example, if you borrow $1500, your bi-weekly payment will be $124.50 on the due date. However, they charge you $85 in interest every week, which means $39.50 is going to your principal. Then on the off week, another $85 in interest is charged. You have not made a payment, and they have added $45.50 to your loan, So your balance doesn’t drop, and your bi-weekly payment is consumed by interest payment. Well, I tried to mail a payment in to see how that process works, and to my disbelief, the check sent by my bank on March 25th has not been processed. I was informed by one of the customer service specialists it can take six weeks to process a check. What kind of company is this, and why does it take that long to process a check sent from a bank?

    I agree with you, the monthly fees and charges are ridiculous.

    Post
    Post reply
    D
    david_blais 1 review | March 5, 2022
    General Review
    Upsides
    Get money fast. 2nd time using. It's all in black and white about fees if you don't unerstand have them explain on phone. I pay my credit line back within 30 days usually so not to bad.
    Downsides
    Rates can be high. So don't borrow more than you can pay back fast.
    Post
    Post reply
    E
    emma_fulmore 1 review | March 3, 2022
    General Review
    Post
    Post reply
    J
    jeremy_anderson 1 review | February 5, 2022
    General Review
    Upsides
    Fast and convenient
    Downsides
    The first time I try to login, never get to it. Three days of technical support to help me try and log in, nothing. I submitted a review to them about it after being on the phone for 2 hours. They never called me back, as requested. The technical side of this enterprise are either all ill-trained, or the company president decided to hire unseasoned meat for the I.T. infrastructure and security. I know, scathing, but we'll deserved!
    Post
    Post reply
    K
    kenny_butler 1 review | December 18, 2021
    General Review
    Upsides
    Yes you get the money fast
    Downsides
    The fees are not good at all I borrowed 550.00 and made 2 payments and still owed them 595.00dont borrowed money from credit fresh
    Post
    Post reply
    Load more reviews

    Rate & review CreditFresh

    Not convinced?

    Visit their official website and learn more about CreditFresh

    We use cookies to give you the most relevant experience. By using our site, you accept all cookies and our privacy policy. To find out more about what cookies we use you can go to privacy overview