Unexpected Expense? Get Funds Quickly

Access the funds & flexibility of a Line of Credit between $500 – $15,000 – even if your credit isn’t perfect1
  • Same business day funding available2
  • Fast online application
  • Borrow, repay, and reuse as needed3

Checking your eligibility has no impact on your credit score4.

Returning Customer?

What to Expect

Fast. Simple. Easy to use.

With a Line of Credit, you can request up to your approved limit, repay, and redraw as needed3.

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Check Eligibility Online in Minutes

Getting started is fast, easy, and should only take minutes to get through. Checking eligibility won’t affect your credit score4.

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Quick Decision1

We keep it moving. If you qualify, you’ll get a clear agreement outlining your limit and costs.

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Get Funds the Same Business Day2

If you’re approved, you can immediately request a draw. The money is deposited into your bank account the same business day, depending on the time when you request a draw2.

Interested in a Line of Credit through CreditFresh?

Clear pricing based on the Line of Credit you qualify for

The products available through CreditFresh, including costs, vary depending on each Bank Lending Partner5.

No surprises – if you qualify, you’ll get a clear agreement outlining your specific product details including credit limit and costs.

Minimum Payments

Expand the boxes below to learn more.

Product

Lines of Credit provided by CBW Bank and First Electronic Bank.

Each Minimum Payment includes a Billing Cycle Charge, which is determined based on your Average Daily Principal Balance for each Billing Cycle. Your income frequency will determine the length of each billing cycle, which may change your Billing Cycle Charges and Minimum Payments.

Bi-Weekly Example: Michael is approved for a Line of Credit through CreditFresh for $5,000.

Michael requests a draw of $2,000 at the start of the billing cycle. Assuming no other draw or additional payments are made, on his first due date:

Outstanding Principal Balance $2,000
Mandatory Principal Contribution $20
Billing Cycle Charges +$115
Minimum Payment Amount =$135
Principal Balance after Minimum Payment $1,980

Monthly Example: Michael is approved for a Line of Credit through CreditFresh for $5,000.

Michael requests a draw of $2,000 at the start of the billing cycle. Assuming no other draw or additional payments are made, on his first due date:

Outstanding Principal Balance $2,000
Mandatory Principal Contribution $40
Billing Cycle Charges +$249
Minimum Payment Amount =$289
Principal Balance after Minimum Payment $1,960

Disclaimer: These examples are for illustrative and general information purposes only. The actual Minimum Payment(s) due on your Line of Credit may vary based on individual circumstances and will depend on your individual account activity. You will receive a notice explaining how your credit profile may impact the cost of your Line of Credit. See the Billing Cycle Charge Table.

Product:

The FreshLine Line of Credit provided by Column N.A.

Includes a Mandatory Principal Contribution and Interest Charges. APRs range between 35%-98%. When you request a draw, a 10% Cash Advance Fee is deducted from the money that is sent to you.

Bi-Weekly Example: Maria is approved for an $8,000 FreshLine Line of Credit with an APR of 98%.

She requests a draw of $5,500 at the start of the Billing Cycle. Assuming no other draw or payments are made, on her first due date:

Outstanding Principal Balance $5,500
Mandatory Principal Contribution $55
Interest +$206.74
Minimum Payment Amount =$261.74
Principal Balance after Minimum Payment $5,445

Monthly Example: Maria is approved for a $8,000 FreshLine Line of Credit with an APR of 98%.

She requests a draw of $5,500 at the start of the Billing Cycle. Assuming no other draw or payments are made on her first due date:

Outstanding Principal Balance $5,500
Mandatory Principal Contribution $110
Interest +$443.01
Minimum Payment Amount =$553.01
Principal Balance after Minimum Payment $5,390

Disclaimer: These examples are for illustrative and general information purposes only. The actual Minimum Payment(s) due on your Line of Credit may vary based on individual circumstances and will depend on your individual account activity. You will receive a notice explaining how your credit profile may impact the cost of your Line of Credit.

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Extra Payments

When you pay more than your Minimum Payment amount in a Billing Cycle, the extra payment goes toward your principal balance. This can reduce your Interest or Billing Cycle Charges over time, which may lower your overall cost of credit.

See what you qualify for.

Checking your eligibility has no impact on your credit score4.

Our Ratings

Over 600,000 people have trusted CreditFresh.

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How does a Line of Credit work?

It’s easy to use a line of credit once you understand the basics. Here’s how it works.

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Withdraw What You Need3

You can borrow the amount you need from your available credit when something comes up.

payments

Pay for What You Borrow

Pay for the amount you borrow, not your entire credit limit.

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Borrow Funds Again

As you pay down your Line of Credit, you can withdraw money again3. You don’t need to reapply.

See what you qualify for.

Checking your eligibility has no impact on your credit score4.

The Benefits

When life happens, it doesn’t always wait for your next paycheck.

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Fast Access

Credit available when you need it most3.

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Clear Process

Simple steps and an easy application process.

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Reliable Support

Real help from people who care.

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Build Your Credit History

Make an impact on your credit history over time6.

Together, we’re helping you borrow with confidence.

Lines of Credit through CreditFresh are provided by CBW Bank, First Electronic Bank and Column N.A. (FreshLine).

CBW Bank
First Electronic Bank
Column
See what you qualify for.

Checking your eligibility has no impact on your credit score4.

Got questions?
We can help.

Our bank partners consider the bigger picture, not just your credit score. Even those with less-than-perfect credit may still qualify.

You’ll just need to provide basic personal information and banking details so we can verify your identity and confirm your income. The process can be completed online.

If we need more information to finish your application and we can’t confirm certain details online or over the phone, we may ask for certain documents to help us verify your info.

Some examples of what we might ask for are:

  • Proof of bank account (e.g. void check)
  • Proof of identity (e.g. driver’s license)
  • Proof of income (e.g. bank statement)
  • Proof of residence (e.g. utility bill)

Any documents you share—like bank statements or pay stubs—need to be less than 30 days old.

If you’re sending ID, make sure it’s not expired.

No, checking eligibility will not impact your credit score with the major credit bureaus. If your application for credit is approved, your account activity may be reported to TransUnion.

Protecting your information is a top priority. We work with trusted third-party providers like Flinks and DecisionLogic that use bank-level encryption and strict security standards.

  1. Your login credentials are never seen, stored, or shared with CreditFresh or our Bank Lending Partners.
  2. We do not have access to your username or password.
  3. The connection is read-only, which means we can only view the specific information needed to verify your account — nothing else.

This allows us to review your application securely while ensuring your information is private and protected.

If you request a draw before the funding cut-off time, funds are typically deposited into your bank account the same business day, otherwise funds will be deposited the next business day.

Bank Lending Partner Funding Cut-Off time
CBW Bank 3:00 PM ET
First Electronic Bank 3:30 PM ET
Column N.A. 3:30 PM ET

Refer to your credit agreement to confirm which Bank Lending Partner your Line of Credit is provided by. All funding cut-off times are subject to change. The date and time funds are made available to you are subject to your financial institution’s policies. If you need help, please contact us.


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CreditFresh is a service provider, not a bank. Requests for credit submitted on this website may be originated and funded by one of our Bank Lending Partners, including: CBW Bank, Member FDIC, Column N.A., a nationally chartered bank, or First Electronic Bank. The credit products available through each Bank Lending Partner may vary.

Our Bank Lending Partners reserve the right to assess your creditworthiness and ability to pay periodically, which may impact how you use your Line of Credit.

A Line of Credit through CreditFresh is an expensive form of credit and should not be used as a long-term financial solution.

1 Not all requests are approved; duration of approval process may vary. Credit limits may range between $500 to $15,000 and are subject to change. The exact credit limit available may vary depending on the Bank Lending Partner, your state of residence, individual circumstances and verification of your information. Applications for a Line of Credit are subject to final eligibility and approval.

2 If approved, any requested funds will typically be deposited into your bank account the same business day; timing of funding may vary. The date and time the funds are made available to you are subject to your financial institution’s policies. For specific funding cut-off times, click here.

3 If approved, you can request a draw at any time, so long as you have available credit, your account is in good standing, and you otherwise meet any criteria required to request draws from your account. For the FreshLine Line of Credit, a Cash Advance Fee is automatically deducted from each requested draw.

4 Checking your eligibility will not impact your credit score with the major credit bureaus. If your application for credit is approved, your account activity may be reported to TransUnion. Making on-time payments may help you build your credit history and impact your credit score over time. However, the exact impact will vary, as credit scores are influenced by multiple contributing factors.

5 To learn more about the cost of credit for the products offered by our Bank Lending Partners, click here.

6 The exact impact of payment(s) and/or account activity on your Line of Credit through CreditFresh to your credit score is unknown as your credit score is influenced by numerous contributing factors.

       

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