CreditFresh

Don't do it. I took out a loan and my payment is $233 with $190 going to their billing cycle and only $40 towards my principal. If I had known, I would have never gone with them.

Please never apply with this company; they don't clearly explain the exact date payments are due. I found out that I have to pay twice a month, which is not the case with other companies where you pay once a month. This practice should be illegal; this company should be shut down. It's a shame. Please do not apply.

Was diagnosed with cancer in May 2025. I've been able to keep up with my financial obligations; however, not working for the last six months has made things tight. I contacted Credit Fresh to see if they offered any temporary payment relief. They stated no, and the only thing they could do was to turn off auto-pay, which would put me in bad standing with additional penalties and interest charges. These people are deceptive with the high interest rates and extremely high administrative fees they charge. Stay away from this company. They r not straight forward up front and havhave no customer service skills

Took out a $1200 loan, found that only $24 of of my $153 payments were going towards the principal every 2 weeks. I actually understood that prior to accepting the loan. I was desperate. When I was ready to make LARGER payments to bring down my principal though, I was informed I would still have to pay the $153 each time UNLESS I pay ON or BEFORE the due date HOWEVER, If my payments are due on the 5th and the 19th and I make a payment on the 5th and then again on the 12th, they're going to apply the $153 worth of fees to the payment due on the 19th, even though I made a payment on the 12th then the payment that's scheduled on the 19th will all just go towards the principal. This makes sure they are still make a killing off the loan. It's tricky, manipulative and I want to say illegal. I dealt with something like this 10 yrs ago with a different company and just defaulted on the loan because I could not effectively pay it down, the fees were just too high. I was notified that there was a class action lawsuit against them, they'd violated some laws with their astronomical interest fees and I didn't have to pay anything else back thankfully BUT I cannot risk it this time around so I plan to make 2-3 phat payments and NEVER deal with these predators ever again.

Do not take out anything with CreditFresh! They are a scam! I took out a line of credit for $750; they have been withdrawing $50 automatically every two weeks from my bank account for the past seven months, and only $10 is going towards the principal! I still owe $650. Terrible company.

Do not use them. They charged $116 every two weeks, but only $16 is going toward the loan. So, I'll be paying that back for 4 years. That's crazy and predatory in all ways. I really needed money for an emergency, but I will be leaving reviews everywhere so that people know not to use them. I have sent all the paperwork to my lawyer and he is reviewing it. He always finds something in the fine print.

I applied for a loan with this company and will never do it again online. I needed money quickly. After I applied, they verified all my bank information and everything else. They advised me that it would be in my account after business hours, at 9:00. It was never received, but it showed a balance due of $1,255, and I didn't request that amount. They told me the time and date when I would start making payments. THIS IS A SCAM! Do NOT APPLY, and you will never try me again.

Predatory Loan Practices – Beware!

I borrowed $2,000 from this company, and what they don't make clear upfront is just how much of your payment goes straight into their pockets. I'm charged $108.74 twice a month, but only $16.74 applies to the principal. The rest dissipates into sky-high interest and fees.

The way the loan terms are presented is confusing and misleading—it doesn't appear that you'll be paying that much in fees until you're already locked in. At this rate, it would take years to pay off a small loan, and I'd end up repaying several times the original balance.

This company clearly preys on people in difficult financial situations, trapping them in endless debt. Please take this as a warning and look for a more reputable lender before signing anything.

They also take forever to update your credit report when you pay off the loan, but they are quick to report when you owe them. I paid in full almost two months ago, and it's still showing a balance, which is causing my utilization to be higher on TransUnion because it is a line of credit.

If I could choose zero stars, I would. I searched for information before I took out a loan with them and could not find this site, and I wish I had. Do not take out a loan with them. Unless you have a way to pay it in full quickly, you will be paying on this longer than you expect. Most of your payments (which are based on your pay periods) go toward interest (their fees) and only a small percentage goes toward the principal. Yes, payday loans as a whole are a bad idea and not everyone has a 750 credit score, but try Dave, Possible, or anyone else but Credit Fresh!

If there were negative stars, I would gladly give them. They are predatory. Not only do they charge a huge interest rate, but 85% of your payment goes to more fees while they continue to charge interest fees. I had a $2500 line of credit and before the first payment, which was $105, the line of credit already gained $165 in interest. The payment that was made was $105 but only $20 went to the actual principal. My next payment is $165 and only $25 is going to the principal. They will tell you that they inform you of this, but they really don't unless it's hidden somewhere. As soon as I can, I will pay this off and close it. They take advantage of people with poor credit and desperate situations. I mean, at some point, the US government should get involved and step in.

Thank you for the reviews. I will not be taking out a loan. The interest is too high for a small loan amount. I will look somewhere else.

The cost of this "loan" is higher than any other method. Do not use them. The fees for my transaction were $200 twice a month. The principal payment was under $20. Those are not typos.

Awful company. Very little going towards principle. Never Never Never NEver again will i deal with this horrible company. ITS A SCAM!!!!

Don't do it unless you absolutely have to! I took out $800 in March, and I've made $320 payments on it. I paid it off today for $875. It's just outrageous, and it feels like you'll never get it paid off!