Personal Loan FAQ
User Info & Security
We use top-level security systems and technology to ensure your personal data is safe from theft or breaches. Questions? Contact: info@amberfinancial.com.
No—unless you give explicit consent. See our Privacy Policy & Terms of Use for more details.
We use a third-party verification system to confirm your bank account info. This speeds up the loan approval process—saving up to 60% of the time.
Yes. Amber Financial doesn’t store, share, or access your login details. The system only verifies your account to speed up approval and ensure data security.
Loan Basics
It’s an unsecured loan offered by banks or financial institutions for everyday spending—like travel, tuition, or medical costs. Interest rates are usually higher due to the lack of collateral.
- Personal loan: Unsecured, higher interest, for daily use
- Mortgage Loan: Secured by assets (like property), lower interest, for big-ticket items
Eligibility Requirements
- At least 19 years old
- Legally residing in Canada
- Able to repay, with no unpaid debts or bankruptcy record
- Credit score of 650+ (newcomers are welcome to apply)
Yes—we accept newcomers and help them build credit.
No—employment is not required. You can still apply and get a quote.
- Bank statements from the last 2 months
- Tax records from the past 2 years or other income documents
Loan Application Process
Visit our website amberfinancial.com to check rates and submit an application.
Once approved, confirm your ID and banking info—the funds will be sent directly to your account.
It depends on your personal situation. Once the loan contract is active, the rate stays fixed for the entire term.
You can borrow from $500 to $60,000, depending on your qualifications.
Loan Disbursement & Repayment
1–3 business days after loan approval.
Yes—early repayment is allowed at any time, with no extra fees.
Late payments incur the same interest rate as the loan, plus a possible $50 fee.
