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Frequently Asked Questions

About Us

  • We are a private lending institution based out of Winnipeg, Manitoba and we serve all surrounding regions. At AAR Financial, we offer personal loans up to $50,000 and home equity loans up to $100,000 in Manitoba, Saskatchewan, Alberta, Ontario & British Columbia.
  • We love to help! We always offer friendly service with a smile and are here to provide you with quick money when you need it most, so you can get back on your feet.
  • By getting a loan from AAR Financial, we can pay off your other creditors or accounts with other companies and you will have just one manageable payment with us.
  • Although your credit score is a factor in our decision, many other factors play into our decision of whether to advance cash to you. Having excellent credit is not a pre-requisite. Apply now and see how much you qualify for!

 

Personal Loans

  • A personal loan can be used to consolidate your debt, catch up on bills or cover unexpected expenses. Typical uses of a Personal Loan would include paying for things like car repairs, home renovations, travel, or other life events.
  • We require the following documents:
  • 1. Two most recent months’ pay stubs
  • 2. Last 90 days of banking
  • 3. ID’s
  • 4. Void Cheque / Pre-Authorized debit form
  • 5. Utility bill with your current address
  • A personal loan allows you to borrow funds without providing a type of collateral or security for the loan. Additionally, for personal loans there are no pre-payment penalties for paying the loan out early. A home equity loan requires you to secure your loan with a property, in which case you can borrow more with lower rates.
  • We are very flexible at AAR Financial, and many different factors go into approving a loan, not just your credit score. Our approvals are unique and we welcome you to apply
  • Pay off your personal loan anytime without any additional fees

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Approval Rate

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Happy Customers

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Transparent Process

  • While banks maintain rigorous lending criteria, we are more flexible with ours and thus can serve a broader client base. With our fast approval process, you don’t have to wait long for your money.
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  • Depending on the type of business, the security/collateral involved and the loan amount, we can provide funding to you anywhere from the same day to up to 30 days upon signing loan documents.
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  • Complete our simple online application. The process takes less than 10 minutes and you’ll instantly receive a quote if you pre-qualify.
  • If you have any questions or inquiries regarding our loan services, feel free to call us at (204) 224 3271 and a loans specialist will be happy to assist you.
  • Although your credit score is a factor in our decision, many other factors play into our decision of whether or not to advance cash to your business. Having excellent credit is not a pre-requisite. Apply now and see how much you qualify for!

Small Business Loans

  • A home equity loan is a loan where you borrow funds and provide your home as security for the loan.
  • You can apply for a personal loan and a home equity loan but depending on the circumstances they will be grouped into one loan.
  • The following are our documentary requirements:
  1. A bank statement showing your last 90 days of banking transactions
  2. Copies of two (2) months of your most recent pay stubs
  3. Copies of three (3) pieces of government-issued identification (One (1) with photo and signature)
  4. Updated mortgage statements
  5. An updated property tax statement
  • To be considered for a home equity loan and be considered a homeowner, you or your spouse must be the registered owners of the home that you live in. 
  • We are very flexible at AAR Financial, and many different factors go into approving a loan, not just your credit score. Our approvals are unique and we welcome you to apply

Home Equity Loans

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ABOUT US

CONTACT US

823 Regent Avenue West, Winnipeg Manitoba. R2C 3A7
Call Today – (204) 224 3271
Email us- info@aarfinancial.ca
Visit us in store!

–  Loan terms range from 2 years to 10 years APR: 14.9% – 46.7%  Financial 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. Finance Example includes optional loan protection coverage. For more detail, please contact us at (204) 224- 3271.

– License Number #84231 (BC) , #349447 (AB)

– Copyright © 2022 AAR Financial Incorporated all rights reserved.