The customer service snd process is…
The customer service snd process is seamless
About CreditFresh
Data updated- Website
- creditfresh.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 133 reviews
- Replies to negative
- 100% (22/22)
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About this business
About CreditFreshA personal Line of Credit between $500 - $15,0001With 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 limit1Not 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.
Written by the business, not verified by us.Is CreditFresh legit?
CreditFresh (creditfresh.com) has a 4.2 out of 5 rating on OK.one, based on 133 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 78% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-29.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Consumers frequently praise the streamlined and fast approval process, noting that needed funds are deposited into accounts within hours or the very same day. People also share that the support team is exceptionally professional, friendly, and always ready to help when guidance is needed. Some reviewers were not happy with the repayment structure, mentioning that a large portion of their payments goes toward interest rather than the principal balance. A few other people also felt that the repayment terms are somewhat inflexible, which can make clearing the total debt quite challenging over time.
Auto-generated from all reviews of this business. For reference only.What people say
Don't be deceived
Avoid them at all costs! They are transparent about the fees but it is absolutely impossible to get a loan paid off. It will take 7 years to pay off $3,000. Unless you can afford tripling your minimum payment every time you get paid. They know that people are getting the loan because they can't afford their bills so there's no way people can afford to triple their payment which means they're going to rip you off on interest fees and service charges. I borrowed 2,750. Every two weeks they're charging $144 service charges. The payment is $170 every 2 weeks.
Reply from CreditFresh2026-08-11
Hello, Thank you for taking the time to leave a review and for sharing your concerns. If you have any specific questions relating to the cost that we can help with, please email us at [email protected]. Thank you.
Hope
It’s been a great experience with ur company. I just wish I could get more back when I make a payment.i think i have been with ur company for about 2 to 3 years now
Fantastic customer service
Easy application process and immediate…
Easy application process and immediate decision with great service! A great choice for anyone looking for a reputable company to work with.
No one wants to borrow money
No one wants to borrow money. When I was in need; you guys have taken care of me.
It was fast and went smoothly
It was fast and went smoothly. Very easy to maneuver through the website. Got an answer within moments of spolying
Everything was ist rate and easy to…
Everything was ist rate and easy to deal with. Although they did miscallculate my income which i believe would have gotten me a larger amount. Otherwise things were fine .. thankyou..
The customer service & easy of use to…
The customer service & easy of use to make a payment and to withdraw were awesome.
This is the best line of credit I’ve…
This is the best line of credit I’ve ever had. With lower rates than anyone else. Very happy that I can get cash whenever o need it . Glad I finally found a place for a short term loan . So awesome. Was a very quick process.
Because any question I needed to know…
Because any question I needed to know they was willing to answer
What annoys me the most is when I…
What annoys me the most is when I receive an email that my payment is late. The day of my payment is due.
Reply from CreditFresh2026-08-11
Hello Shawn, we appreciate you providing your feedback. If you would like to share further concerns, please reach out to us at [email protected], and our team will be happy to help you. Thank you!
The best option when we need to pay…
The best option when we need to pay bills
This is the most expensive method of…
This is the most expensive method of credit I have ever seen - the apr converts into about 190% if you factor the monthly charges for the credit line. I don't understand how employees here sleep well at night, ripping people off.
Reply from CreditFresh2026-08-11
Hello, Thank you for taking the time to share your concerns. Please note that at CreditFresh, transparency is important to us. Details about cost of borrowing can be found in disclosures provided during the application process. 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. If you have any further concerns that we can help with, please email us at [email protected]. Thank you.
They helped when no else would.
Only reports to Trans Union
Only reports to Trans Union, which is no good. No complaints otherwise, Expensive form of credit, but credit evolution program helps over time and there are definitely more expensive options out there
Reply from CreditFresh2026-08-11
hello Tomasz, we appreciate you taking the time to provide your feedback. If you would like to share additional thoughts, please feel free to reach out to us at [email protected]. Thank you.
Great
The good customer service
How can the fees charged by this company be legal?
The lady to whom I was speaking with while applying for a loan simply hung up on me while I was talking in a very nice, respectful, and cordial way to her, I think ,because she was embarrassed she was having to say the things to me she was saying just to keep her job. I was trying to get a $1,600 loan for 10 months and she was telling me the first month I would have to pay $300 and some change before I could even pay on the principal! For example she said if I paid $310 the first month $300 would be going to her company and $10 would be going to my principal . Then she told me the second month I would automatically be required to pay $700 my second month and if I paid $10 extra too ONLY $10 would go to the principal! How can that be legal? When she told me my second month I would have to pay $700 towards a 1,600 loan FOR 10 MONTHS and NONE of that would be toward principal I KINDLY asked her to repeat that because I was not understanding how a 10-month-loan of $1,600 which would be approximately $160 per month plus the interest fee would cause me $700 my second month with nothing going to the principal whatsoever. !!!!!! I asked her was it not illegal to charge more than 35 or 36% on a loan and she told me Credit Fresh charges $49 for every $100 you owe per month!! Maybe I'm wrong but I did not know that a loan company in the United States of America could charge someone $700 per month and NONE absolutely NONE of it goes toward the principal on a simple $1,600 loan for 10 months?? Also ,for the young ladie to just hang up on me made. me wonder if I was even talking to a legitimate company at all or like I said earlier perhaps she was just embarrassed that she had to say all that stuff to keep her job! I do not know for sure, but maybe the girl did not understand what she was to even trying to explain. Maybe she was a new employee telling me incorrect information but for a loan company to charge somebody $700 per month and none of it goes to the principal on a $1,600 loan for 10 months tells me immediately that there is something wrong there for sure. I don't know if you call it price gouging or just plain and simple sickening greed but something is just NOT right about that situation at all.
Reply from CreditFresh2026-08-06
Hello Arthur, We appreciate you taking the time to leave a review and we are taking the opportunity to look into your experience. In the meantime, if you have any additional concerns, please feel free to contact us at [email protected]. Thank you.
Awesome
Awesome, very easy to use! And very rewarding :)
The customer service answers all my…
The customer service answers all my questions.
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