Loans across Canada, from lenders you can trust
Aarao connects Canadians with provincially licensed lenders. Compare loan types, pick the one that fits, and apply online in minutes — with funds by Interac e-Transfer.
Aarao at a glance
Compare loans available across Canada
Each option links to a national guide that answers your question directly — then drills down to your province and city.
Payday Loans
Payday Loans for Canadians — eligibility, costs, and how to apply, with rules broken down by province.
View Payday Loans Canada →Personal Loans
Personal Loans for Canadians — eligibility, costs, and how to apply, with rules broken down by province.
View Personal Loans Canada →Installment Loans
Installment Loans for Canadians — eligibility, costs, and how to apply, with rules broken down by province.
View Installment Loans Canada →Car Loans
Car Loans for Canadians — eligibility, costs, and how to apply, with rules broken down by province.
View Car Loans Canada →HELOC
HELOC for Canadians — eligibility, costs, and how to apply, with rules broken down by province.
View HELOC Canada →Every loan option in Canada
Browse by credit situation, income source, speed, amount, and more. Each option has its own Canada page with local rules and application.
By credit situation
By application type
By payout method
A simpler, safer way to borrow
Licensed lenders only
We match you with lenders regulated under your province's rules — never unlicensed operators — so costs and terms stay within the law.
One free application
Apply once and we route your request to lenders that fit. Reviewing offers is always free and comes with no obligation to accept.
Fast e-Transfer funding
Once you're approved and the agreement is signed, funds are sent by Interac e-Transfer — often within minutes.
Find lending rules where you live
Rate caps, regulators, and consumer protections differ across Canada. Pick your province or territory.
Three steps to funding
Choose your loan
Pick the loan type and see the guide for your province — amounts, costs, and eligibility.
Apply online
Complete one short, secure application. No paperwork, no faxing, no in-person visits.
Get funded
Once approved and signed, funds are sent by Interac e-Transfer — often within minutes.
Responsible borrowing: Aarao is a referral service, not a direct lender. Borrow only what you can repay. If you are struggling with debt, contact the Credit Counselling Society at 1-888-527-8999 — a free, non-profit service.