How Do Online Loans Work?

With AAR Financial, you don’t need to visit a store to apply for your loan. You can complete the application and get the money in your bank 100% online.
Our contactless loan is easy and fast.

Customized Credit Solutions.Flexible payments. Flexible terms.

Borrowing Needs

Debt Consolidation

Consolidate your debt into one manageable monthly payment to get you back on track.

Home Improvements

Increase in the value in your home with a home improvement loan.

Car Repairs

Borrow money to fix up your car or get that new set of tires you’ve been wanting.

Leisure / Vacation

Take that trip you’ve always wanted, or make time for a family reunion.

Small Business

Business owner? Borrow money to purchase more capital and watch it bloom.

Emergency Costs

You never know what could happen. For those unexpected situations, we’re here.


Welcome to AAR Financial. We are a team of like-minded individuals looking to help and make a difference in your life. We want to see you grow financially, and are here for you when you need it most. Our loan specialists work with you to provide you with the cash you need, with the most flexible terms and payments that fit your lifestyle. We understand no one is perfect and your credit may not be either, but we’re not here to judge but help.


Finance Example

Loan terms range from 2 years to 10 years

APR: 14.9% – 46.7%

Example – $1,000 borrowed for 12 months at 46.67% APR. Biweekly payment = $ 48.47, total repayment with Interest is $1,260.22

Total Cost of the loan = $ 260.22

*AAR Financial does not charge any administration fees on secured loans. On a personal loan, fees may apply and vary by provide/territory. Fees may include but are not limited to insurance fees, administration fees, and other applicable fees.


The amount you can borrow depends on different factors including income, security, credit score, and payment history.

You will need two most recent paystubs, three most recent months bank statements, three pieces of ID, and a void cheque or pre‐authorized debit form.

We can help with many kinds of debt! Which includes personal loans, debt consolidation, lines of credit, credit card debt, home renovations, healthcare bills, car repairs, leisure and vacation and many more forms of debt. Contact us for more information on what you are looking to borrow for and if you qualify for a loan.

Secured Personal Loan

Amortization between 36-120 months. Amounts range from $500 – $35,000, with rates between 14.99%-46.95%. The length of the term and amount of your loan will depend on our assessment of your credit profile. Above figures and terms can vary depending on many variables. See branch for details.

Unsecured Personal Loan

Amortization between 25-60 months. Loan amounts range from $500-$25,000, with rates between 14.99% – 46.95% depending on your loan size, length of term, and our assessment of your credit profile. Above figures and terms can vary depending on many variables. See branch for details.



Would you like to speak to one of our financial advisers over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.