A Better Way to Borrow

Get a Personal Line of Credit Between
$500 – $5,0001


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Unlike traditional online loans (such as installment loans), with a Line of Credit offered through CreditFresh, you aren’t required to borrow the entire amount you are approved for all at once. Access the money as needed, so long as you have available credit and your account is in good standing.

With the Line of Credit from a Bank Lending Partner through CreditFresh, you can expect a fully transparent process.

Payment Breakdown

So long as you have an Outstanding Balance, you’ll have to make Minimum Payments. Each Minimum Payment consists of:

Mandatory Principal Contribution

Each Minimum Payment includes a contribution towards your principal balance to ensure you are always paying down your Line of Credit. The Mandatory Principal Contribution will vary depending on your income frequency. Refer to your Line of Credit Agreement, or any amendments, for more details.

See Billing Cycle Charge tables below:

Billing Cycle Charge

Your Line of Credit Agreement, or any amendments, will indicate the specific Billing Cycle Charges applicable to your Line of Credit. As you move through your credit journey, you may also be eligible for reduced Billing Cycle Charges and/or increased credit limits based on your payment history over time5. Please refer to the Billing Cycle Charge Tables below – the Billing Cycle Charges you are eligible for may vary based on your qualifications*.

If the “Average Daily Principal Balance” appearing on your periodic statement is:If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:If you are paid monthly, your Billing Cycle Charge will be:
$0.01 – $9.99$5.00$10.00
$10.00 – $249.99$15.00$30.00
$250.00 – $499.99$30.00$60.00
$500.00 – $749.99$38.00$76.00
$750.00 – $999.99$55.00$110.00
$1,000.00 – $1,249.99$70.00$140.00
$1,250.00 – $1,499.99$85.00$170.00
$1,500.00 – $1,749.99$95.00$190.00
$1,750.00 – $1,999.99$105.00$210.00
$2,000.00 – $2,249.99$115.00$230.00
$2,250.00 – $2,499.99$120.00$240.00
$2,500.00 – $2,749.99$135.00$270.00
$2,750.00 – $2,999.99$145.00$290.00
$3,000.00 – $3,249.99$160.00$320.00
$3,250.00 – $3,500.00$175.00$350.00
If the “Average Daily Principal Balance” appearing on your periodic statement is:If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:If you are paid monthly, your Billing Cycle Charge will be:
$0.01 – $9.99$5.00$10.00
$10.00 – $249.99$10.00$20.00
$250.00 – $499.99$25.00$50.00
$500.00 – $749.99$35.00$70.00
$750.00 – $999.99$50.00$100.00
$1,000.00 – $1,249.99$60.00$120.00
$1,250.00 – $1,499.99$75.00$150.00
$1,500.00 – $1,749.99$85.00$170.00
$1,750.00 – $1,999.99$90.00$180.00
$2,000.00 – $2,249.99$100.00$200.00
$2,250.00 – $2,499.99$105.00$210.00
$2,500.00 – $2,749.99$115.00$230.00
$2,750.00 – $2,999.99$120.00$240.00
$3,000.00 – $3,249.99$135.00$270.00
$3,250.00 – $3,499.99$150.00$300.00
$3,500.00 – $3,749.99$155.00$310.00
$3,750.00 – $3,999.99$165.00$330.00
$4,000.00 – $4,249.99$175.00$350.00
$4,250.00 – $4,499.99$190.00$380.00
$4,500.00 – $4,749.99$200.00$400.00
$4,750.00 – $5,000.00$205.00$410.00
If the “Average Daily Principal Balance” appearing on your periodic statement is:If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:If you are paid monthly, your Billing Cycle Charge will be:
$0.01 – $9.99$5.00$10.00
$10.00 – $249.99$10.00$20.00
$250.00 – $499.99$15.00$30.00
$500.00 – $749.99$20.00$40.00
$750.00 – $999.99$30.00$60.00
$1,000.00 – $1,249.99$45.00$90.00
$1,250.00 – $1,499.99$50.00$100.00
$1,500.00 – $1,749.99$60.00$120.00
$1,750.00 – $1,999.99$75.00$150.00
$2,000.00 – $2,249.99$80.00$160.00
$2,250.00 – $2,499.99$95.00$190.00
$2,500.00 – $2,749.99$100.00$200.00
$2,750.00 – $2,999.99$105.00$210.00
$3,000.00 – $3,249.99$115.00$230.00
$3,250.00 – $3,499.99$125.00$250.00
$3,500.00 – $3,749.99$130.00$260.00
$3,750.00 – $3,999.99$140.00$280.00
$4,000.00 – $4,249.99$145.00$290.00
$4,250.00 – $4,499.99$155.00$310.00
$4,500.00 – $4,749.99$160.00$320.00
$4,750.00 – $5,000.00$165.00$330.00

*You will receive a notice explaining how your credit score may impact the cost of your Line of Credit. If you are an existing customer, please refer to your Line of Credit Agreement, or any amendments, for more information.


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3-Step Process to Open Your Line of Credit Account

Step 1 Submit Your Request
Step 2 Get Approved1
Step 3 Request a Draw Online

A Line of Credit through CreditFresh provides you with the financial flexibility to have a safety net for unexpected expenses that may come your way. Submit a request today – getting started is simple and the process only takes a few minutes to complete.


Why Choose a Line of Credit through CreditFresh?

Quick and Easy Online Application

Applying is quick and easy – and can be done from home or on-the-go. The process is transparent and can be completed in minutes.

Fast Funding3

Enjoy fast funding as soon as the same business day3 so that you can handle emergency expenses with utmost urgency.

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