Last Updated: 04/18/2025
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Highlights
APR (Fee-Based Product)
Amount Range
Loan Term (Months)
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CreditFresh Personal Loans Review
Key Takeaways
- Fee-based product. Unlike most personal loans, which typically charge a simple daily interest rate, CreditFresh Personal Loans does not have a periodic interest rate. Instead, it charges a fixed-fee.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- No origination fee. CreditFresh Personal Loans does not charge a loan origination fee.
- No late fees. CreditFresh Personal Loans will not charge additional fees if you miss the due date on a payment.
CreditFresh Pros & Cons
| Pros | Cons |
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CreditFresh FAQ
What interest rates and personal loan terms does CreditFresh offer?
What interest rates does CreditFresh offer?
How much can you borrow via CreditFresh?
| Personal Loan Amount | $500 - $5000 |
| Loan Term | N/A |
| APR | Starting at 65% |
What fees does CreditFresh charge?
Does CreditFresh charge an origination fee?
Does CreditFresh charge a late fee?
Does CreditFresh charge prepayment fees?
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for CreditFresh Personal Loans?
CreditFresh Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 21 or the state minimum, whichever is higher.- Applicants must have an active and valid personal checking or savings account
- Proof of income
- Proof of identity
| Minimum Age | 21 |
| Bank Account Required? | Yes |
| Credit Score | N/A |
What is the estimated funding time for a personal loan via CreditFresh?
Does CreditFresh Personal Loans report your account activity to credit bureaus?
- TransUnion
Does CreditFresh Inc. perform a hard credit pull?
Are CreditFresh Personal Loans legit?
CreditFresh Personal Loans Disclosure: The Line of Credit is offered by CBW Bank, Member FDIC and is available through CreditFresh. CBW Bank will be responsible for underwriting, approving and funding the Line of Credit. You must apply on the CreditFresh website to be approved for a Line of Credit (this includes consumers who receive a pre-qualified offer). This offer is not guaranteed. It is your responsibility to review all offers available to you and choose the most appropriate offer for your financial circumstances. All requests are subject to standard underwriting policies. 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 time. You will receive notices, as applicable, regarding your individual circumstances and eligibility. Terms displayed in the offer, specifically “Max. Monthly Payment”, “APR”, and “credit limit”, assume: the entire amount of the Line of Credit is outstanding for one full billing cycle and a monthly pay frequency. Terms displayed, including “APR”, may vary and are subject to change based on the consumer’s verified information, pay frequency, creditworthiness, Line of Credit usage and payment behavior. If you have an Outstanding Balance, you will need to make regular Minimum Payments which include a Billing Cycle Charge based on your Average Daily Principal Balance, and a Mandatory Principal Contribution. Your billing cycle may be monthly, semi-monthly, or bi-weekly. There is no periodic rate for this product. The APR displayed is an indicative annualized APR based on the assumptions above, with the appropriate billing cycle charge applied. The actual effective APR will vary depending on your actual utilization. See the Billing Cycle Charge table for the complete range of Billing Cycle Charges applicable to the Line of Credit. A range is provided for the Billing Cycle Charge as Line of Credit terms will vary based on each applicant’s qualifications. For example, if the Average Daily Principal Balance appearing on your periodic statement is $550.00, if you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be between $30.00 and $38.00, but if you are paid monthly, your Billing Cycle Charge will be between $64.00 and $80.00 because the length of your billing cycle is longer. Not all requests are approved; duration of approval process may vary. “Max. Monthly Payment” is the Minimum Payment due at the end of the billing cycle, which includes the applicable Billing Cycle Charge and a Mandatory Principal Contribution. Any requested 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 by your bank are subject to your bank’s policies. For specific funding cut-off times, visit the FAQs on the CreditFresh website. Your account activity may be reported to both prime and subprime credit reporting agencies. The exact impact of reporting your Line of Credit account to your prime credit score is unknown as your credit score is influenced by numerous contributing factors. Documents requested to qualify for credit are subject to change and may vary based on individual circumstances.
View CreditFresh Personal Loans's published terms & conditions
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