A Better Way to Borrow

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


Returning Customer? Login Now!

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.

Check out our latest reviews!

Trustpilot

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.

Trusted by 80,000+ Customers

Don’t take our word for it – see what customers have to say!

1-800-766-2007    |    Account Login

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.

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 vary and are subject to verification criteria.
2 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.
3 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 by your bank are subject to your bank’s policies. For specific funding cut-off times, click here.
4 If you have an upcoming due date and would like to set up an Automated Clearing House (ACH) payment, your request must be received by 6:00 PM ET one (1) business day before your due date. Processing of payments are subject to your bank’s policies.
5 As you move through your credit journey, your account may become eligible for reduced billing cycle charges and/or increased credit limits based on a good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility. Eligibility varies by state.

       

Sitemap |  Terms of Use |  Privacy Policies | Legal