Banks
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Get a ATB Financial loan

Advertiser Disclosure

How to apply

To apply for a personal loan online, an individual should get registered at the website of ATB – after this, the application procedure will be available for the potential borrower. The details of the loan will be visible only upon profile creation.

To get a mortgage, an individual should fill in the application form available on the company's website and submit the required documents after the company authorizes the contact with the potential borrower.

To get a business loan, an individual should fill in a form with some basic details necessary for the staff to understand the potential client’s situation. The form is available on the website of the company. Later, the borrower is supposed to submit the required documents only after the company’s authorized personnel will get in touch with the potential borrower.

Application details

There is no specific information regarding the period of time during which the applications are being considered. However, the detailed information is available via contacting the company's authorized personnel.

Usually, all applications received are being proceeded by the company's staff members swiftly – all the procedures are fully automated, and the verification is not taking long.

  1. When requesting a personal unsecured loan (аfter clicking the “Apply now” button), the potential borrower will be asked to register himself on the website. After this, the application form will be accessible to the potential borrower.

  2. When requesting a personal secured loan, the potential borrower will be asked to contact the company’s authorized personnel to get details on loan.

  3. When requesting a business loan, a person will have to submit to the company the following information:

  • first name

  • last name

  • his business name

  • e-mail

  • postal code

  • phone number

  • preferred contact method (phone, e-mail, optional)

  • the desired amount of money for the loan

4.When requesting a private banking or wealth management services, a person should submit the company with the following information:

  • first name

  • his last name

  • e-mail

  • phone number

  • company name

  • postal code

  • to indicate whether he is an employee or an employer

  • preferred contact method (e-mail or phone)

  • preferred contact time

  • submit the company with any questions or comments

FAQ

Reasons for rejection

The ATB financial platform is doing its best to be as open and flexible to its customers as possible. The company offers its potential borrowers a wide range of products, individually tailored in each case and suitable for any customer. The company is also offering its customers different programs to improve their financial records – the so-called credit report. However, there are still several cases when the company is not able to respond adequately to their potential borrower’s request – this happens when an individual, who is applying for a loan, has got too many previously taken loans or has got several unpaid loans by the moment when ATB is considering his application. Frequent borrowing can also be a factor in rejecting an individual’s application.

How long does it take to get approved by ATB?

The company does not specify that. But typically, ATB proceeds promptly with all the loan requests, especially if there are no additional questions about the application studied.

How trustworthy is ATB?

ATB platform is convincingly trustworthy due to the following factors:

At present, there are more than 5,000 people on the payroll in ATB. The company’s team members are all about delivering an exceptional level of services to more than 810,000 clients through the numerous branches of the company. There is also a 24-hour Client Care Centre, four entrepreneur centers, and the company’s digital banking options. Everything the company is doing is focused on the quality and accessibility of its services for the Albertans— starting from supporting the customers with expert advice and helping the entrepreneurs assist Albertans in buying a home or growing their wealth.

In 2021 ATB was recognized as the #3 best place to work in the country; ATB Financial was named one of Canada's Great Places to Work for Mental Wellness. The company has enjoyed being recognized as a top 3 employer by Great Place to Work Canada for the past few years. In the past, the company has also been recognized amongst:

  • Best WorkplacesTM for Giving Back

  • Best WorkplacesTM for Inclusion

  • Best WorkplacesTM for Women

  • Best WorkplacesTM for Mental Wellness

  • Best WorkplacesTM in Financial Services and Insurance

  • Best WorkplacesTM for Millennials and Best Workplaces in Alberta (2019)

There is also an extensive list of Professional partnerships the company has:

Memberships

  • Payments Canada (formerly CPA)

  • Interac Corp (formerly Interac Association)

  • Mastercard Canada

  • Visa Canada

Networks

  • Interac

  • Plus (Visa)

  • Cirrus (Mastercard)

  • NYCE

  • SWIFT

  • Visa Payments 

Does ATB verify income?

ATB is verifying the income of its customers, using a differentiated approach to each specific situation – it can be either checking the potential borrower’s credit history or using other sources of the information related to the customers' income: evidence of employment or his banking transactions information.

Does ATB hurt your credit score?

Every customer applying for a loan is worried about the potential possibility of hurting his credit score by getting the loan.

Usually, each loan given out automatically affects the borrower’s credit score. Therefore, hard inquiries regarding a borrower’s financial status can result in a not very significant drop in the borrower’s credit score. Still, if the borrower is paying traditionally – his credit score increases.

ATB is making everything possible to settle any potential conflict with its borrower associated with payments delay. Should any issue of delayed payments arise, the company’s collection department will try to come to terms with the borrower regarding composing additional payment arrangements, considering the specifics of the borrower's financial status.

Financial products
ATB Financial
ATB Load & Go™ Prepaid Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
ATB Financial
ATB US Dollar Mastercard®
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Recommended FinScore™
0
300
650
1000
ATB Financial
ATB Alberta Mastercard® - Secured
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
ATB Financial
ATB Alberta Mastercard®
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
ATB Financial
ATB Preferred Variable-Rate Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
ATB Financial
ATB Preferred Fixed-Rate Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
ATB Financial
ATB Gold My Rewards Travel Mastercard®
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19,90% - 21,90%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19,90% - 21,90%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
to 5000.00 C$
Rate
i

Effective interest rate on the product

from 7.20 %
Term
i

Loan term for the financial product

1 years – 5 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
to 75000.00 C$
Rate
i

Effective interest rate on the product

7.20 – 14.20 %
Term
i

Loan term for the financial product

1 years – 5 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

7.20 – 14.20 %
Term
i

Loan term for the financial product

to 1 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
5000.00 – 50000.00 C$
Rate
i

Effective interest rate on the product

from 7.20 %
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from 1000.00 C$
Rate
i

Effective interest rate on the product

7.20 – 14.20 %
Term
i

Loan term for the financial product

1 years – 5 years
ATB Financial
Insured mortgage
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$400,000
Rate
i

Effective interest rate on the product

5,19%
Term
i

Loan term for the financial product

7 years
ATB Financial
Conventional mortgage
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

5,19%
Term
i

Loan term for the financial product

6 months to 7 years
ATB Financial
Home Equity Line of Credit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
ATB Financial
Professional Students Line of Credit
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$350,000
Term
i

Loan term for the financial product

25 years
ATB Financial
Apprenticeship Line of Credit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$5,000-$50,000
ATB Financial
Student First Line of Credit
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $60,000
Term
i

Loan term for the financial product

20 years
ATB Financial
US Dollar Investment Savings
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$1,000 USD minimum investment
Rate
i

Effective interest rate on the product

up to 4.20%
ATB Financial
Registered Disability Savings Plan (RDSP)
Rating by Finanso®
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ATB Financial
Registered Education Savings Plan (RESP)
Rating by Finanso®
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ATB Financial
Tax-Free Saver Account
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
$0 monthly fee
Rate
i

Effective interest rate on the product

0.70%
ATB Financial
Cashable GIC
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Term
i

Loan term for the financial product

1-5 years
ATB Financial
International Equity Pool
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$1,000 minimum initial investment
ATB Financial
US Equity Pool
Rating by Finanso®
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$1,000 minimum initial investment
ATB Financial
Canadian Equity Pool
Rating by Finanso®
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$1,000 minimum initial investment
ATB Financial
Fixed Income Pool
Rating by Finanso®
i

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$1,000 minimum initial investment
ATB Financial
Compass™ Maximum Growth Portfolio
Rating by Finanso®
i

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$100 minimum initial investment
ATB Financial
Compass™ Growth Portfolio
Rating by Finanso®
i

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$100 minimum initial investment
ATB Financial
Compass™ Balanced Portfolio
Rating by Finanso®
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$100 minimum initial investment
ATB Financial
Compass™ Conservative Balanced Portfolio
Rating by Finanso®
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$100 minimum initial investment
ATB Financial
Compass™ Conservative Portfolio
Rating by Finanso®
i

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$100 minimum initial investment
ATB Financial
Springboard® GIC
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Rate
i

Effective interest rate on the product

up to 1.15%
Term
i

Loan term for the financial product

3-5 years
ATB Financial
Redeemable GIC
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Rate
i

Effective interest rate on the product

2.60%
Term
i

Loan term for the financial product

30 days - 5 years
ATB Financial
Non-Redeemable GIC
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Rate
i

Effective interest rate on the product

up to 4.750%
Term
i

Loan term for the financial product

30 days - 5 years
ATB Financial
RRSP Builder Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Rate
i

Effective interest rate on the product

0.20%
ATB Financial
Compass™ Balanced Growth Portfolio
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$100 minimum investment
ATB Financial
ATB Wealth® High Interest Savings Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Rate
i

Effective interest rate on the product

up to 4.30%
ATB Financial
Springboard Savings® Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Rate
i

Effective interest rate on the product

up to 1.50%
ATB Financial
Generation Account™
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Rate
i

Effective interest rate on the product

0.10%
ATB Financial
Pay As You Go Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee, per-transaction fees apply
ATB Financial
Basic Account
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$3.95 monthly fee for 15 debit transactions
ATB Financial
Freedom Account
Rating by Finanso®
i

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$0 monthly fee
ATB Financial
Students First Account
Rating by Finanso®
i

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$0 monthly fee
ATB Financial
No-Fee All-In Digital Account®
Rating by Finanso®
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$0 monthly fee
ATB Financial
ATB Advantage Account
Rating by Finanso®
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$21.95 monthly fee
ATB Financial
Unlimited Account
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$9.95 monthly fee
Similar products
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.75% - 21.49%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
from $5,000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

21.99% - 22.99%
Best Quick Loan Today 18.06.2024*
Mr. Payday
Need a Quick Loan Now?
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
up to $10.000
Coast Capital Savings
Personal Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$50,000
Rate
i

Effective interest rate on the product

7.5%
Term
i

Loan term for the financial product

60 months
Mogo
Personal Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$15,000
Rate
i

Effective interest rate on the product

up to 46.96%
Term
i

Loan term for the financial product

up to 60 months
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
1000.00 – 15000.00 C$
Term
i

Loan term for the financial product

6 months – 60 months
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
7000.00 – 25000.00 C$
Rate
i

Effective interest rate on the product

24.99 – 29.99 %
Term
i

Loan term for the financial product

3 years – 5 years
Mogo
Mortgage
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

4.46%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$10,000-$100,000,000
Rate
i

Effective interest rate on the product

up to 4.95%
Term
i

Loan term for the financial product

up to 10 years
Think Financial
Mortgage
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$50,000-$500,000
Rate
i

Effective interest rate on the product

up to 5.19%
Term
i

Loan term for the financial product

up to 25 years
CHIP Reverse Mortgage
Reverse Mortgage
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100,000-$500,000
Rate
i

Effective interest rate on the product

up to 7.67%
Term
i

Loan term for the financial product

up to 25 years
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$10,000,000
Rate
i

Effective interest rate on the product

up to 4.94%
Term
i

Loan term for the financial product

up to 40 years
Toronto-Dominion Bank
TD Every Day Savings Account
Rating by Finanso®
i

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$0 monthly fee
Tangerine Bank
Savings Account
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

$0 monthly fee
Rate
i

Effective interest rate on the product

1.00%
Scotiabank
Ultimate Package
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

up to $30.95 monthly fee
Royal Bank of Canada
Savings Deposit
Rating by Finanso®
i

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Recommended FinScore™
0
300
650
1000
no minimum deposit
Rate
i

Effective interest rate on the product

0.5%
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