AmberFinancial Review

Amber Financial is a reputable financial firm looking to provide the latest in mortgage and personal loans, along with mortgage investments. With flexible options that fit every need, lower APRs and flexible loan terms, there is something for everyone at Amber FInancial.
These fast and easy mortgage loans are secured by property and offer you the chance to use them for almost any purpose you may need. Additionally, Amber Financial offers unsecured personal loans. Amber Financial takes the time to work with you and understand your needs.

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Written by: Piggyy

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Loan Amount

$500 - 50,000

Piggyy Rating


Min Credit: 650

APR: Determined on a case-by-case basis and depending on your credit and financial profile

Loan Term

3 - 60 months

Est. APR

% 9.90 - 49.96

Loan Amount

$500 - 50,000
  • Easy loan process
  • Many loans to choose from
  • Easy repayment terms and stipulations
  • May not qualify with poor credit
  • May not have a high enough limit to borrow


Company Information


At Amber Financial, they take the guesswork out of what you need for a loan or mortgage. They work with people from all types of credit backgrounds. The loans are easy to get, and the application process is faster and more straightforward than you’ll find at other personal loan companies.


Vancouver Office:

415-5900 No. 3 Road

Richmond, BC V6X 3P7


Toronto Office:

350 Highway 7 PH 1

Richmond Hill, ON L4B 3N2


Email: [email protected]

General Inquiries: 1-866-268-0328

Mortgage Inquiries: 1 (778) 297-4999 (Vancouver)

1 (647) 966-7666 (Toronto)


You can use the internet general inquiry form on their website to send Amber Financial a message if you don’t have an email address or prefer not to call.  You can also use the messaging form available through the website on the ‘Company’ – ‘Contact Us’ tab. If you prefer, you can receive a message by SMS as well.


Mortgages and Personal Loans Offered


Amber Financial offers an online platform that is secure, safe, and ready to assist anyone who wants an easy way to apply for a mortgage or a loan. Borrowers can visit the website and see what these Canadian mortgages and personal loans are all about. You can use these mortgages or loans to pay down debt, pay for a large purchase, or to pay off anything else. Loans and mortgages from Amber FInancial have helped numerous people with their financial goals time and again.



People looking for a mortgage might want to consider Amber Financial. Mortgages are offered for various borrower types and property types.


Borrower types:

  • Personal
  • Company
  • Trusts


Property types:

  • Residential
  • Commercial
  • Agricultural
  • Construction



Private mortgage rates starting at 5.99%



Maximum of 30 years



Not all borrowers need or want a mortgage. For those who don’t need a mortgage, Amber Financial also offers unsecured personal loans from $500 to a maximum of $50,000.  The amount you can be approved for depends on your credit rating and financial background. Like their mortgages, personal loans are quick to apply for and can be approved in a short period of time. You can receive the money shortly after you have been approved.


Interest Rate

Amber Financial charges an annual percentage rate or APR for their loans. The APR that you will find at Amber Financial varies based on the credit rating and financial profile of the individual borrower. 


However, the annual APR for a personal loan starts at 9.90% and can go to a maximum of 49.96%. There are $0 in fees when you borrow from Amber Financial, and all costs will be disclosed upfront. Read the paperwork you are given during the application to find out the APR you will be paying for the life of the loan.



You can take up to five years or 60 months to repay your loan. There are no penalties or fees for paying off your loan early.


Repayment Terms 


The repayment terms are flexible, which is something previous clients have loved about the company. You can have a minimum of 6 months  up to a maximum of 60 months to repay your loan. Of course, the more you borrow, the longer the repayment schedule you can be given to help make your payments affordable as you pay back your loan. 


Borrowing Criteria 

Those who borrow from Amber Financial have to meet a certain set of criteria to qualify for the loan or mortgage. Here is a quick list of things to keep in mind before you apply for the loan:

  • A credit score of 650 or higher 
  • You have valid status to study, live or work in Canada
  • Are 19 years old or older 
  • Can afford the loan 
  • You do not have overdue or unpaid accounts 
  • You do not have any pending, previous, or current bankruptcies 


You are not getting the loan for a third party


Documentation Required


There is also specific documentation that is required from you to verify your loan approval and fund the loan amount to your account:

Picture of your government issued ID or driver’s license (both sides)


And one of the following to confirm income:

  • Your two most recent pay stubs 
  • Three most recent years of notices of assessment from the Canadian Revenue Agency
  • Three most recent months of your bank statements 


Approval is Always Instant 

You will know whether your application was approved within about five minutes through the system. However, if you feel an error was made determining your eligibility, you’re welcome to give Amber Financial a call. They don’t make their decisions lightly and they will look over your application. A representative will go over your application with you to ensure that they are making the right decision and to help you understand why they made the decision they did.


Going Through the Application 


To apply for a mortgage with Amber Financial, contact the company by phone, email or SMS.


The application process for a loan is easy to go through and can be done in five steps. 


Click on ‘Personal Loans’ in the top right-hand menu. From there, you can click on ‘Apply.’

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Click on the “Apply now” button below.

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Select “continue application.”

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Input your financial goal and personal information on the screen exactly how they request it. Make sure to have your documentation handy and send it in with the application to speed the process up more.

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Next, submit your financial information, check the necessary boxes, and click “agree and continue.”


Wait for a determination which will come when you submit the application. If they require further documentation or verification, they will email you or call you to ask for it. Send them the rest of the information, your banking information, and anything else they may request so they can assess your loan request.  If you’re approved, they’ll transfer the loan right into your account.

Frequently asked questions

Where do I have to live to qualify for these loans?

To qualify for a loan or mortgage through Amber Financial, you have to reside in Canada. However, those in Quebec, Nova Scotia, and Saskatchewan are not covered by these loans.

How old do I have to be?

Those who are applying need to be at least 19 years of age at the time of application.

What is the credit score that I would need to qualify?

The minimum credit score is 650. The higher the credit score, the better the APR and terms, as well as the loan amount you’re going to be given. 

Is there a minimum income amount needed?

There is no minimum income amount that you must have in order to be approved for this specific loan. You just enter the income amount that you have, and we can personalize a loan amount that would work with what you have coming in. 

We want to customize the approach, so make sure to let us know a comfortable weekly or monthly payment amount that works with you.

I wasn’t given any loan options to work with, why?

Those who do not get any loan options presented to them might not have been approved for several reasons. If you find that you need further clarification, then reach out to their customer service team who can go over the application with you.


These are some reasons why you might not have been presented with options:


  • You do not have enough on your credit report for the system to make an accurate decision based on what they find.
  • The lending criteria and the information you provided does not match. You may not meet the minimum specifications for the system.
  • You might have a common name that is matching up with others in the system. This can be corrected.


Do I have to be employed to get a loan?

You do not have to be employed to get a loan from Amber Financial. You’re easily able to make use of the loan options even without a job. Regardless of where your income comes from, they will still provide a personalized quote that matches your needs. 

How do I get the loan once I am qualified and approved for it?

Your loan amount is funded directly into your banking account that is given to them. Once approved, and you’ve sent in the required documentation, the banking information is verified and then the loan amount is deposited into this account.

Where do I apply to get the loan?

You’re invited to apply at any time, anywhere that there is an internet connection through

Why didn’t I get the amount that I asked for on the loan?

If you did not get the amount, you asked for on the loan then chances are you did not qualify for that amount. You’re given the specific amount that you are qualified for during the application process. 

How long will it take to receive my personalized loan quote amount?

It generally takes from two to five minutes to see the personalized loan quote. Generally, the process and approval come quickly along with the offer that is given based on your financial background.

Will the interest rate change on the loan as the months pass?

No. Nothing about the APR or fees will change based on what was given to you during the initial loan approval. The APR given to you is the same as when you signed on and agreed to the loan in the first place. 

Why do I need to verify my bank account?

The bank account that you are going to be using to repay the loan, as well as the account that is receiving the loan proceeds, is what you need to verify before any money is sent or taken from it. This will protect your account, information, and identity.

It’s the Best Choice Because…


Canadians have found Amber Financial to have one of the easiest application processes on the web for a decent loan amount. Not only are the payback terms flexible, but they come with the best term lengths , so you never have to worry about not being able to work with a company that cares about its clients.


Whether you are working towards something significant to purchase or have debts to pay off, this type of personal loan is the best for you. Enjoy the many benefits of these and the other personal loans available.


If you are looking for a personal loan company that can provide you with financial freedom, even when you feel like you have less than perfect credit, then Amber Financial may be the ideal choice to find yourself borrowing from. Visit them online and read more about them and their borrowing limits today.


״The secret of happiness, is not found in seeking more, but in developing the capacity to enjoy less״ - Socrates

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