How It Works
From application to funds in four steps
Aarao streamlines short-term borrowing into a single free request. Here is exactly what happens after you apply.
The Process
Four simple steps
No paperwork, no faxing, no branch visits.
1
Apply Once
Complete one short, secure application online. It takes only a few minutes and costs nothing.
2
Get Matched
We route your request to licensed lenders that serve your province and fit your situation.
3
Review Your Offer
Compare the amount, fees, and repayment date. There is no obligation to accept.
4
Receive Funds
Once you accept and sign, funds are typically sent by Interac e-Transfer within minutes.
FAQs
Common questions about the process
Most people complete the request in just a few minutes. You will need basic personal, income, and banking details.
Submitting a request to Aarao does not affect your credit score. Individual lenders may perform their own checks before finalizing an offer.
After you accept an offer and sign the agreement, funds are usually delivered by Interac e-Transfer within minutes, depending on your bank.
No. Aarao is completely free for borrowers. We are a referral service and are compensated by our lending partners.
Prefer to explore loan types first? Browse payday loans →
Ready when you are
One free, secure request is matched with licensed Canadian lenders. Reviewing offers comes with no cost and no obligation.
Apply Now — Free