The experience was helpful. While the usury charges are - let's be candid - outrageous, the Credit Fresh activity was helpful to me. I lost my wallet and have no access to funds, yet since I have be... See more
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Review summary
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Reviews shaping this summary
Super fast and easy todo and customer service so easy to talk to and they answer super fast great service! The only thing is i interest rate is a lil high so try and pay it off fast
I spoke to one of your Representatives, and was very helpful, patient, and professional in assisting me in my application. Your company is highly rewarding i. Helping me to pay bills that fell ri... See more
CreditFresh has honestly been a lifesaver for me! I didn’t plan on having it this long, but it’s nice when I’m in a pinch and can see what money I have accumulated then I can transfer to my bank acco... See more
Company details
- #190 of 253 best companies in Non-Bank Financial Service
- #149 of 192 best companies in Financial Consultant
- #68 of 86 best companies in Loan Agency
About CreditFresh
Written by the company
About CreditFresh
A personal Line of Credit between $500 - $15,0001
With a Line of Credit through CreditFresh, you have a flexible way to access credit when you need it.
The process is simple and convenient. Submit your request through CreditFresh’s secure online platform. If you’re approved, you may access the money you need from your available credit as soon as the same business day2. Requests for credit submitted through CreditFresh may be originated by one of our Bank Lending Partners, including: CBW Bank, Member FDIC, Column N.A., or First Electronic Bank. Key features:
● A personal Line of Credit between $500 - $15,0001
● Request a draw from your available credit and the funds may be in your bank account as soon as the same business day2
● Only pay for what you borrow, not your entire credit limit
1Not all requests are approved. 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.
2If approved and you request a draw , funds may be deposited into your bank account the same business day, depending on the time of request; timing of funding may vary. The date and time requested funds are made available to you are subject to your financial institution’s policies. For specific funding cut-off times, visit the FAQs on the CreditFresh website.
Contact info
4.4
Excellent
6K reviews
Replied to 89% of negative reviews
Typically replies within 1 week
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I would not recommend
I would not recommend. When you pay your bill they only apply 10.00 to your balance and take the rest for interest.
March 20, 2026
Reply from CreditFresh
Hello Casara,
We appreciate you sharing your concerns and we take them seriously.
Please note that although each minimum payment includes a contribution to the principal balance, additional payments can also be made without prepayment penalties.
We always encourage customers to make additional payments to help pay down their balance faster as doing so will help reduce the overall cost of borrowing. Payments can be made online or over the phone.
If you have any specific concerns that we can help with, please email us at feedback@creditfresh.com. Thank you.
The experience has been great
The experience has been great. Applying was easy and fast.
March 19, 2026
The payment structure is confusing
The payment structure is confusing. I asked questions to what Inwould be paying each month and got different answers as to what is due each month. (Principal and fees)
It should be list if you borrow X amount this is what you owe -
Principal and fees. Then list the following month etc until it is paid off
March 24, 2026
Reply from CreditFresh
Hello,
We appreciate you taking the time to share your feedback and we take your concerns seriously.
Please note that the Lines of Credit offered through CreditFresh are open-end credit products, so both the total amount owing and the minimum payment due can vary from one billing cycle to the next, as customers can take draws, repay, and redraw as needed.
If you have any specific concerns about your account, our team is here to help address them. Please feel free to reach out to us at 1-800-766-2007. Thank you.
I mean they do lend you money BUT…
I mean they do lend you money BUT man!!! You might as well pay back that loan by next week because that interest is SKY high! lol. I appreciate them but I won’t be borrowing anything else from credit fresh.
March 19, 2026
Reply from CreditFresh
Hello Corey,
We appreciate your input as your voice matters to us. If you would like to provide further feedback, please feel free to email us at feedback@creditfresh.com. Thank you.
Highway robbery you Make it impossible…
Highway robbery you Make it impossible to pay off a balance , 2000% interest , weekly payments where only a couple dollars goes to principle
March 19, 2026
Reply from CreditFresh
Hello Frankie,
We appreciate you sharing your concerns and we take them seriously.
Please note that although each minimum payment includes a contribution to the principal balance, additional payments can also be made without prepayment penalties.
We always encourage customers to make additional payments to help pay down their balance faster as doing so will help reduce the overall cost of borrowing. Payments can be made online or over the phone.
If you have any specific concerns that we can help with, please email us at feedback@creditfresh.com. Thank you.
Great place for emergency money
March 24, 2026
They make it easy to apply for a loan
They make it easy to apply for a loan. Any questions or concerns, the Representatives are polite and help you when having problems. I recommend CreditFresh highly
March 17, 2026
Grateful
Thank you so much you have came in the time I needed help and you provided. Thank you.
March 17, 2026
I really love this company
I really love this company. It has been there when I needed it.
March 16, 2026
Credit fresh is an amazing service and…
Credit fresh is an amazing service and reliable. Highly recommend
March 16, 2026
Amazing service and saved me in an…
Amazing service and saved me in an emergency situation. No high interest or ridiculous monthly payments.
March 19, 2026
I would give this 0 stars
I would give this 0 stars. I am only rating it 2 stars because the people that helped me on the phone while I had a balance on this account were good. This is a trap for people in a tough spot who NEED a loan to live for basic expenses. I paid $300 a month for months while I had a balance on this and my overall balance didn’t even go down $100!!! What a joke, this would take years and years to get out of if I never even borrowed on the credit line. You guys got more money out of me to pay this balance off multiple times. Quit taking advantage of people. Bottom line, I’d tell people to live on the street before getting a line of credit with you guys. I can’t believe this is even a legal business. I’m not mad, because I’m the one that chose to apply with you guys. But do the right thing and be a decent business. You can make plenty of money without taking advantage of people and gouging them so you can be greedy. I would hope you pay your employees well but I’m sure the owners of this just take it all for themselves.
March 19, 2026
Reply from CreditFresh
Hello Cody,
We appreciate you sharing your concerns and we take them seriously.
Please note that at CreditFresh, transparency is important to us. We provide details about cost of borrowing in disclosures during the application process to help consumers make informed choices.
If you have any further concerns or would like to provide additional feedback, please email us at feedback@creditfresh.com. Thank you.
Money easily available when needed
Money easily available when needed, Howe interest rate is very high.
March 4, 2026
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