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.
- 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.
- 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:
- A bank statement showing your last 90 days of banking transactions
- Copies of two (2) months of your most recent pay stubs
- Copies of three (3) pieces of government-issued identification (One (1) with photo and signature)
- Updated mortgage statements
- 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
QUICK LINKS
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% – 35% Financial Example – $1,000 borrowed for 12 months at 35% APR. Biweekly payment = $20, total repayment with Interest is $1,210. Total Cost of the loan = $210. For more detail, please contact us at (204) 224- 3271.
– License Number #84231 (BC) , #349447 (AB)
– Copyright © 2025 AAR Financial Incorporated all rights reserved.
