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StartFresh Loan

Startfresh Loan

The StartFresh Loan gives you a second chance to rebuild your credit without having to use lending sources that are very expensive, and those that do not promote financial independence.

StartFresh Loan will help you:

  • Avoid pay-day lending trap
  • Get the money you need
  • Rebuild your financial strength
  • Improve your credit score
  • Avoid the high interest debt cycle
  • Make the transition to traditional banking services


The StartFresh Loan is designed for individuals who meet very specific income and credit levels. Please review the program guidelines for more details.

This program is not an alternative to mainstream banking customers who have been denied credit based on our standard loan policy.

StartFresh Loan Program

  • $50 processing fee
  • $1,500 maximum loan amount
  • Limit of 1 loan per applicant
  • Up to 18-month re-payment term (Amortization)
  • Unsecured loans
  • Competitive interest rate
  • Checking / Savings account relationship recommended (not required)
  • 600 minimum credit score – available for scores of 575 or higher with previous 12-month history of no reported delinquencies
  • Documented verification of income required
  • $54,000 or less annual household income
  • Approved borrowers must complete brief Basic Credit Education
  • All borrowers must be referred to TheBANK of Edwardsville by an approved community organization prior to loan approval


Terms and conditions subject to change without notice.