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About Us

loans

At AR Associates Loans, we understand that financial needs can arise unexpectedly. That's why we're committed to providing flexible and accessible lending solutions tailored to our clients' unique circumstances. With years of experience in the industry, we have earned a reputation for reliability, transparency, and personalized service.

Why Choose AR Associates Loans?

Personalized Service

We take the time to understand your financial goals and tailor our solutions to meet your needs.

Competitive Rates

Our loans feature competitive interest rates and favorable terms to save you money over the long term.

Quick Approval

With streamlined processes and efficient service, we strive to get you the funds you need as quickly as possible.

Transparency

We believe in transparent communication and upfront disclosures, so you know exactly what to expect throughout the loan process.

Our Services

Gold loan

A gold loan is a type of secured loan where individuals borrow funds from a financial institution by pledging their gold jewelry or ornaments as collateral. These loans are popular due to their quick processing, minimal documentation requirements, and relatively lower interest rates compared to unsecured loans.

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housing loan

A housing loan, also known as a home loan or mortgage, is a type of secured loan provided by financial institutions to individuals or families to purchase residential properties. These loans enable borrowers to fulfill their dream of homeownership by providing funds upfront, which are then repaid over a specified period, typically through monthly installments.

Read more

Education loan

An education loan, also known as a student loan, is a type of financial assistance provided by banks or financial institutions to help students cover the cost of higher education. These loans enable students to pursue their academic goals by providing funds for tuition fees, living expenses, books, equipment, and other educational expenses.

Read more

personal loan

A personal loan is a type of unsecured loan offered by banks, credit unions, or online lenders to individuals for various personal expenses. Unlike specific-purpose loans such as home loans or auto loans, personal loans can be used for a wide range of purposes, including debt consolidation, home improvements, medical expenses, travel, or other unexpected expenses.

Read more

Business loan

A business loan is a type of financing provided by banks, financial institutions, or alternative lenders to businesses to help them fund various business-related expenses. These loans can be used for purposes such as starting a new business, expanding an existing one, purchasing equipment or inventory, covering operational expenses, or meeting other business needs.

Read more

Vehicle loan

A vehicle loan, also known as an auto loan or car loan, is a type of financing provided by banks, credit unions, or other financial institutions to help individuals purchase vehicles. These loans enable borrowers to acquire new or used cars, trucks, motorcycles, or other vehicles by providing funds upfront, which are then repaid over a specified period through monthly installments.

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property loan

A property loan, commonly known as a mortgage loan, is a type of secured loan provided by banks, credit unions, or other financial institutions to individuals or businesses to purchase real estate properties. These loans enable borrowers to acquire homes, commercial properties, or investment properties by providing funds upfront, which are then repaid over a specified period through monthly installments.

Read more

Gold loans

A gold loan is a type of secured loan where individuals borrow funds from a financial institution by pledging their gold jewelry or ornaments as collateral. These loans are popular due to their quick processing, minimal documentation requirements, and relatively lower interest rates compared to unsecured loans.

Key Features of Gold Loans

Collateral

Gold jewelry or ornaments are pledged as collateral for the loan. The value of the loan is determined based on the purity and weight of the gold provided as collateral.

Security of Collateral

In the event of default, the lender has the right to sell the gold pledged as collateral to recover the outstanding loan amount. However, lenders usually provide borrowers with an opportunity to repay the loan before resorting to the sale of the collateral.

Loan Amount

The loan amount typically ranges from a percentage to a certain fraction of the value of the gold pledged as collateral. This percentage can vary depending on factors such as the lender's policies, the purity of the gold, and prevailing market conditions.

Interest Rates

Gold loan interest rates are generally lower compared to unsecured loans due to the presence of collateral. However, interest rates can vary among lenders and may be fixed or floating.

Loan Tenure

Gold loans usually have short to medium-term repayment periods, ranging from a few months to a few years. The tenure is determined based on the borrower's repayment capacity and the lender's policies.

Loan Disbursement

Once the gold jewelry or ornaments are evaluated for purity and weight, and the loan application is approved, the lender disburses the loan amount to the borrower either in cash, through bank transfer, or by issuing a demand draft.

Repayment

Borrowers are required to repay the loan amount along with accrued interest within the specified tenure. Repayment options can vary and may include monthly, quarterly, or bullet payments. Some lenders also offer flexible repayment options to suit the borrower's financial situation.

Loan-to-Value (LTV) Ratio

Lenders typically offer loans up to a certain percentage of the value of the gold pledged as collateral. The loan-to-value ratio can vary depending on factors such as the purity of the gold and prevailing market conditions.

housing loan

A housing loan, also known as a home loan or mortgage, is a type of secured loan provided by financial institutions to individuals or families to purchase residential properties. These loans enable borrowers to fulfill their dream of homeownership by providing funds upfront, which are then repaid over a specified period, typically through monthly installments.

Key Features of Housing Loans

Collateral

The residential property being purchased serves as collateral for the loan. In case of default, the lender has the right to seize and sell the property to recover the outstanding loan amount.

Documentation

Borrowers are required to provide various documents to apply for a housing loan, including proof of identity, address, income, employment, and property documents such as title deeds and sale agreements.

Loan Amount

The loan amount is determined based on factors such as the borrower's income, creditworthiness, the value of the property, and the loan-to-value (LTV) ratio. LTV ratio represents the percentage of the property's value that can be financed through the loan.

Interest Rates

Housing loan interest rates can be fixed or floating. Fixed interest rates remain constant throughout the loan tenure, providing predictability in monthly payments. Floating interest rates, on the other hand, fluctuate based on market conditions, potentially resulting in changes to monthly payments.

Loan Tenure

Housing loans typically have long repayment tenures, ranging from 15 to 30 years or more, depending on the lender's policies and the borrower's preferences. Longer tenures may result in lower monthly payments but higher total interest costs over the loan term.

Down Payment

Borrowers are usually required to make a down payment towards the purchase price of the property. The down payment amount is typically a percentage of the property's value and can vary depending on factors such as the lender's policies and the borrower's creditworthiness.

Repayment

Borrowers repay the housing loan through monthly installments, which consist of both principal and interest components. The proportion of each component varies over time, with a larger portion of the initial payments going towards interest and gradually shifting towards principal repayment as the loan matures.

Education Loan

An education loan, also known as a student loan, is a type of financial assistance provided by banks or financial institutions to help students cover the cost of higher education. These loans enable students to pursue their academic goals by providing funds for tuition fees, living expenses, books, equipment, and other educational expenses.

Key Features of Education Loans

Purpose

Education loans are specifically designed to cover the cost of higher education, including undergraduate, graduate, and professional degree programs. They can also be used to finance vocational training, certification courses, or other educational pursuits.

Eligibility

Eligibility criteria for education loans vary among lenders but typically require the student to be enrolled in an accredited educational institution or program. Some lenders may also require a co-signer or guarantor, especially for larger loan amounts or for borrowers with limited credit history.

Loan Amount

The loan amount is determined based on factors such as the cost of education, the student's financial need, and the lender's policies. Typically, lenders offer loans covering the entire cost of education or a percentage thereof, up to a certain limit.

Interest Rates

Education loan interest rates can be fixed or floating. Fixed interest rates remain constant throughout the loan tenure, providing predictability in monthly payments. Floating interest rates, on the other hand, fluctuate based on market conditions, potentially resulting in changes to monthly payments.

Repayment

Repayment of education loans usually begins after the completion of the course or a specified grace period. Repayment tenures can vary depending on the lender's policies and typically range from several years to decades. Some lenders may offer flexible repayment options, including income-based repayment plans.

Documentation

Borrowers are required to provide various documents to apply for an education loan, including proof of identity, address, enrollment in an accredited educational institution, course details, and income proof of co-signers or guarantors if applicable.

personal loan

A personal loan is a type of unsecured loan offered by banks, credit unions, or online lenders to individuals for various personal expenses. Unlike specific-purpose loans such as home loans or auto loans, personal loans can be used for a wide range of purposes, including debt consolidation, home improvements, medical expenses, travel, or other unexpected expenses.

Key Features of Personal Loans:

Unsecured Nature

Personal loans are unsecured, meaning they are not backed by collateral such as a house or a car. Instead, lenders rely on the borrower's creditworthiness and ability to repay the loan based on factors such as income, credit history, employment status, and debt-to-income ratio.

Loan Amount

The loan amount for a personal loan typically ranges from a few thousand to several tens of thousands of dollars, depending on the borrower's creditworthiness, income, and other factors. Lenders may have minimum and maximum loan amounts based on their policies.

Interest Rates

Personal loan interest rates can be fixed or variable. Fixed interest rates remain constant throughout the loan term, providing predictability in monthly payments. Variable interest rates, on the other hand, fluctuate based on market conditions, potentially resulting in changes to monthly payments.

Loan Tenure

Personal loans usually have fixed repayment terms, ranging from one to seven years, depending on the lender's policies and the borrower's preferences. Longer loan tenures may result in lower monthly payments but higher total interest costs over the loan term.

Purpose

Personal loans can be used for various purposes, including debt consolidation, home renovations, wedding expenses, medical bills, vacation expenses, or any other personal financial needs. Borrowers are not required to specify the intended use of the loan when applying.

Business loan

A business loan is a type of financing provided by banks, financial institutions, or alternative lenders to businesses to help them fund various business-related expenses. These loans can be used for purposes such as starting a new business, expanding an existing one, purchasing equipment or inventory, covering operational expenses, or meeting other business needs.

Key Features of Business Loans:

Purpose

Business loans are specifically designed to meet the financial needs of businesses. They can be used for various purposes, including startup costs, working capital, equipment purchase, inventory management, marketing expenses, expansion projects, or debt refinancing.

Loan Amount

The loan amount for a business loan typically depends on factors such as the borrower's creditworthiness, business history, revenue, profitability, and the purpose of the loan. Lenders may offer loans ranging from a few thousand to several million dollars, depending on the borrower's needs and eligibility.

Interest Rates

Business loan interest rates can be fixed or variable. Fixed interest rates remain constant throughout the loan term, providing predictability in monthly payments. Variable interest rates, on the other hand, fluctuate based on market conditions, potentially resulting in changes to monthly payments.

Loan Tenure

Business loans usually have fixed repayment terms, ranging from one to five years or more, depending on the lender's policies and the borrower's preferences. Longer loan tenures may result in lower monthly payments but higher total interest costs over the loan term.

Collateral

Business loans may be secured or unsecured. Secured loans require collateral, such as real estate, equipment, inventory, or accounts receivable, to secure the loan. Unsecured loans, on the other hand, do not require collateral but may have higher interest rates and stricter eligibility criteria.

Vehicle Loan

A vehicle loan, also known as an auto loan or car loan, is a type of financing provided by banks, credit unions, or other financial institutions to help individuals purchase vehicles. These loans enable borrowers to acquire new or used cars, trucks, motorcycles, or other vehicles by providing funds upfront, which are then repaid over a specified period through monthly installments.

Key Features of Vehicle Loans

Purpose

Vehicle loans are specifically designed to finance the purchase of vehicles, including cars, trucks, motorcycles, and recreational vehicles. They can be used to purchase new or used vehicles from dealerships, private sellers, or auctions.

Loan Amount

The loan amount for a vehicle loan typically depends on factors such as the vehicle's purchase price, the borrower's creditworthiness, income, and down payment amount. Lenders may offer loans ranging from a few thousand to several tens of thousands of dollars, depending on the borrower's needs and eligibility.

Interest Rates

Vehicle loan interest rates can be fixed or variable. Fixed interest rates remain constant throughout the loan term, providing predictability in monthly payments. Variable interest rates, on the other hand, fluctuate based on market conditions, potentially resulting in changes to monthly payments.

Loan Tenure

Vehicle loans usually have fixed repayment terms, ranging from one to seven years, depending on the lender's policies and the borrower's preferences. Longer loan tenures may result in lower monthly payments but higher total interest costs over the loan term.

Down Payment

Borrowers are typically required to make a down payment towards the purchase price of the vehicle. The down payment amount is usually a percentage of the vehicle's purchase price and can vary depending on factors such as the lender's policies, the borrower's creditworthiness, and the type of vehicle being purchased.

Collateral

The vehicle being purchased serves as collateral for the loan. In case of default, the lender has the right to repossess and sell the vehicle to recover the outstanding loan amount.

Property Loan

A property loan, commonly known as a mortgage loan, is a type of secured loan provided by banks, credit unions, or other financial institutions to individuals or businesses to purchase real estate properties. These loans enable borrowers to acquire homes, commercial properties, or investment properties by providing funds upfront, which are then repaid over a specified period through monthly installments.

Key Features of Property Loans:

Purpose

Property loans are specifically designed to finance the purchase of real estate properties, including residential homes, commercial buildings, vacant land, or investment properties. They can also be used to refinance existing mortgages or extract equity from owned properties.

Loan Amount

The loan amount for a property loan typically depends on factors such as the property's purchase price, the borrower's creditworthiness, income, down payment amount, and the loan-to-value (LTV) ratio. Lenders may offer loans ranging from a few thousand to several million dollars, depending on the borrower's needs and eligibility.

Interest Rates

Property loan interest rates can be fixed or variable. Fixed interest rates remain constant throughout the loan term, providing predictability in monthly payments. Variable interest rates, on the other hand, fluctuate based on market conditions, potentially resulting in changes to monthly payments.

Loan Tenure

Property loans usually have long repayment terms, ranging from 15 to 30 years or more, depending on the lender's policies and the borrower's preferences. Longer loan tenures may result in lower monthly payments but higher total interest costs over the loan term.

Down Payment

Borrowers are typically required to make a down payment towards the purchase price of the property. The down payment amount is usually a percentage of the property's purchase price and can vary depending on factors such as the lender's policies, the borrower's creditworthiness, and the type of property being purchased.

Collateral

The property being purchased serves as collateral for the loan. In case of default, the lender has the right to seize and sell the property to recover the outstanding loan amount.