Apply Nows Existing Clients Repayment Rates

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aro Am I eligible?
Be at least 18 years of age
Be a Canadian Citizen or Permanent Resident
Be employed or benefit recipient
Receive your pay by direct deposit


aro How it Works?

Complete the online application
We will assess your application
You will receive confirmation email if approved
Money can be emailed for small extra fee or received same day in your account if your loan is approved before est.



aro Compliance complies with all government regulations in the jurisdictions in which we offer our services


Our mission


Our mission for is to manage an online service where clients can obtain a Payday Loan, Cash Advances, Quick Cash LoansCTC Payday Loans, ODSP Payday Loans, CPP Cash Advances, OAS Cash advances, BC Disability Fast Cash Advances and Paycheck / Payroll Payday Loans. is one of the Largest Payday lenders in Canada offering 7 day a week service. Often having a Cash Advance in your account in less than 20 minutes.



Late Payment or NSF Payment?

If receives your payment after the due date of your loan, it will be considered late, and you will be charged a fee of $50 from Annual interest for late payment is calculated at 59% after the original due date of the loan. You may also incur an overdraft charge from your bank. The best way to avoid making late payments is have sufficient funds in your bank account on your payment due date. has agreements with third party collections agencies, authorizing them to collect on delinquent accounts. Accounts may be settled for less than the amount actually owing, at the discretion of the collection agency.

If a pre-authorized withdrawal is returned for any of reason you will be charged an NSF fee of $50 from You may also incur an overdraft charge from your bank.

Implications of Non Payment

In the event that you do not repay us on a loan, you will not be permitted to borrow from us again until such time as you have repaid your outstanding delinquent loan. In addition, your file, including all delinquency information regarding your delinquent loan, will be sent to a third party collection agency. We only use reputable collection agencies that comply with all prevailing best and lawful collections practices.

Any customer who does not repay his or her loan in full by the loan's due date will be considered delinquent and the loan will be classified as non-payed. In such cases, the customer's file will be sent to a third party collection agency and customer will have this default reported to a credit agency. The customer's credit rating may be negatively impacted.

Representative APR


To qualify for a payday loan, minimum net pay requirements will apply and may vary by province. Other conditions may also apply. Ask a Customer Service Representative (CSR) for details.

The cost of borrowing at for a $300 loan for 14 days is:
Alberta 598%
Nova Scotia 546%

We do not offer loans in Any other provinces.
Renewal Policy

Pursuant to relevant payday loan statutes and regulations, does not offer refinances, rollovers or extensions to its payday loans in any jurisdictions that prohibit refinances, rollovers, or extension.


1623 Military Rd suite 127,
Niagara Falls NY 14304

Toll Free Phone: 1-866-279-3703

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