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
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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The gentleman was real friendly I…
The gentleman was real friendly I appreciated everything
March 26, 2026
Live Agent Renee was professional
Live Agent Renee was professional. My only issue is that all of the initial prequalified information told me a higher amount than what actually approved and distributed.
March 31, 2026
Excellent customer service.
March 31, 2026
They were very helpful in time of need
They were very helpful in time of need. I would recommend to anyone that needs a loan.
March 31, 2026
Nice and helpful person explaining…
Nice and helpful person explaining everything really good .smooth transition with application.I recommend it.angel Ibarra is my name . I’m a customer
March 29, 2026
Unprompted review
Seems like a monster interest rate
Seems like a monster interest rate. The company seems not obligated to publish the implied interest rate behind the fees. The documents mention the fees may change for users of the credit line in the future.
The approval and first draw process went well.
March 24, 2026
Scam-DO NOT borrrow
Scam. High interest and only a small amount goes to the principal and the rest of the payments go their pockets. Also try to prevent you from making additional payments to pay off the loan by putting your account on hold so they can continue to debit your regular payment to make money. Also, will not respond to emails, chat and customer service say they will get back to you with no response. Contacting FTC immediately as their practices are unethical and predatory.
March 28, 2026
Unprompted review
Reply from CreditFresh
Hello,
We appreciate you taking the time to share your experience, as we’re always looking to improve how we serve customers.
In order for us to address your specific concerns, we ask that you please email us at feedback@creditfresh.com. Our team is here to help!
Thank you.
Quite possibly the worst lender in…
Quite possibly the worst lender in America. They give you no ability to pay on your principal without charging.Astronomical fees.I'm talking over one hundred dollars to make a payment on your principal. Then, they told me if I made a payment on my principal on the exact day. That it was due there would be no fee. Well, I called in to do that again. There's also a fee, so they make it impossible for you to pay on the principal. 135 payment, 23 of it was to the balance. Paid it in full, never again. Glad Im free of this disaster. I've actually just printed out all of my documentation to send to the attorney general in my state for review.
March 27, 2026
Unprompted review
Reply from CreditFresh
Hello Robert,
We appreciate you taking the time to share your experience.
Please note that we always encourage customers to make additional payments to help pay down their balance faster and additional payments can be made without prepayment penalties.
In order for us to address your specific concerns, we ask that you please email us at feedback@creditfresh.com. Our team is here to help!
Thank you.
How easy and quickly the process went
March 26, 2026
I'm disappointed with the amount of…
I'm disappointed with the amount of interest that's charged. More of the payment should go to the principal.
March 23, 2026
Reply from CreditFresh
Hello Janice,
We appreciate you sharing your feedback.
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 further concerns that we can help with, please email us at feedback@creditfresh.com. Thank you.
Very easy to apply and the application…
Very easy to apply and the application is easily understood. So far an excellent program.
March 26, 2026
I’m thankful that your company was here…
I’m thankful that your company was here to help but not enough money goes towards the principal balance. Everything else was fine
March 26, 2026
I think it's a Scam over all 1000 line…
I think it's a Scam over all 1000 line of credit 129 a month and only 20 to the principal it's the biggest scam ever, you should be ashamed of yourselves preying on the weak like that
March 26, 2026
Reply from CreditFresh
Hello Anthony,
We appreciate you sharing your feedback. We’re always looking to improve how we disclose information to ensure that all details about cost of borrowing are available upfront to help consumers make informed decisions.
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.
As always it’s an easy process
As always it’s an easy process. Always there when needed. Thank you.
March 20, 2026
I received a quick response regarding…
I received a quick response regarding my application with a speedy approval. The customer service was outstanding.
March 20, 2026
I’m trying to rebuild my credit helping Hand
I’m trying to rebuild my credit. I had a few rejections before learning about your company. Thank you so much for he me.
March 25, 2026
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.
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