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Rating by Finanso®

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.

ATB Financial's application


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


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:


  • Payments Canada (formerly CPA)

  • Interac Corp (formerly Interac Association)

  • Mastercard Canada

  • Visa Canada


  • Interac

  • Plus (Visa)

  • Cirrus (Mastercard)

  • NYCE


  • 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.

Calculate loan payments in ATB Financial

ATB Financial calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to pay attention to when applying for a loan from ATB Financial

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes ATB Financial from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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