Personal loans may help with eligible relocation, professional and other personal expenses, subject to our lending policies.

Loan amounts depend on eligibility and applicable lending requirements. Contact us to discuss available options.

Applicants may be asked for identification, employment and income verification, and other information needed to evaluate an application.

Processing times vary depending on the completeness of the application and verification requirements. We will explain the next steps during the application process.

Yes, J-1 and H-1B visa holders are welcome to apply. AA Financing, Inc. specializes in serving educators, including international teachers working in the United States. Loan approval is subject to eligibility, income verification, and applicable lending requirements.

As part of our application process, we may review your credit history along with your employment, income, and ability to repay. Each applicant is evaluated individually.

Interest rates and repayment terms vary depending on the loan and application lending requirements. All rates, fees and payment obligations will be clearly disclosed before you sign your loan agreement.

Available payment methods and due dates will be explained in your loan agreement.

Early repayment options depend on the terms of your loan agreement. Please contact us to review your loan’s payoff requirements and whether any prepayment charges apply.

If you miss a scheduled payment, your account may become past due, and applicable late fees may be assessed according to your loan agreement. We encourage borrowers to contact AA Financing, Inc. as soon as possible to discuss their situation and available options.

We understand that unexpected financial challenges can arise. If you are having difficulty making payments, please contact us before your payment due date. Our team can review your situation and discuss any available repayment arrangements.

Late or missed payments may affect your credit history if the account is reported to a credit bureau. AA Financing, Inc. will provide applicable disclosures regarding credit reporting practices.

If a loan remains unpaid and meets the conditions for default under your loan agreement, additional collection efforts may become necessary. Depending on the circumstances and applicable law, these may include formal notices, referral to a collection agency, or legal action.

We encourage borrowers to communicate with us early to explore available options before further action becomes necessary.

Borrowers experiencing payment difficulties are encouraged to contact AA Financing, Inc. to discuss their circumstances. Alternative payment arrangements may be considered on a case-by-case basis, subject to company policies and applicable law.