Thompson office closed today

Because of a power outage, our Thompson office closed at noon today. Our Yellowknife office is open as usual. We're sorry for the inconvenience.

A1 Financing & Loans

Terms & Conditions

The terms that apply when you use our website and services.

Last updated: November 2026

Welcome to A1 Financing & Loans (“A1 Financing,” “Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website located at https://a1-financing.com (the “Site”), as well as any loan applications, financial products, pay advances, or services requested or provided through the Site or in-person at our offices (collectively, the “Services”).

By accessing or using our Site, submitting an application, or engaging our Services, you agree to be bound by these Terms. If you do not agree to all of these Terms, do not access or use the Site or Services.

1. Geographic Restrictions & Service Availability

  • Canadian Residents Only: Our Services are offered exclusively to legal residents of Canada.
  • Designated Service Territories: A1 Financing operates and provides loan products solely to customers located within the Province of Manitoba, the Northwest Territories, and Nunavut.
  • Prohibited Jurisdictions: We do not offer financial products or loans outside of Canada, nor do we service residents of other Canadian provinces or international jurisdictions. Accessing this Site from locations where its contents or services are illegal is strictly prohibited.

2. Eligibility Requirements

To apply for a loan or utilize our financial services, you must:

  1. Be at least 19 years of age.
  2. Reside physically in Manitoba, the Northwest Territories, or Nunavut.
  3. Possess a valid bank account with a recognized Canadian financial institution.
  4. Have a verifiable source of regular income.
  5. Provide valid, unexpired government-issued photo identification and proof of address upon request.

3. Loan Applications & Financial Agreements

  • Submission of Information: When applying for a loan or pay advance through our Site or in person, you agree to provide true, accurate, complete, and current information about yourself.
  • Verification: By submitting an application, you authorize A1 Financing to conduct employment and bank account verifications to assess your eligibility.
  • Separate Credit Agreements: The approval of any loan application is at the sole discretion of A1 Financing. If approved, your loan, interest rates, repayment schedules, fees, and default terms will be governed by a separate formal Credit Agreement / Payday Loan Agreement provided to you at the time of financing, in compliance with regional consumer protection regulations.

4. Regulatory Disclosures & Regional Lending Laws

A1 Financing operates in strict compliance with consumer protection and lending legislation applicable in each jurisdiction we service:

  • Manitoba: Payday loans and consumer credit are subject to The Consumer Protection Act (Manitoba) and The Payday Loans Regulation.
  • Northwest Territories: Credit agreements adhere to the Consumer Protection Act (NWT).
  • Nunavut: Financial products comply with the applicable local ordinances and statutory consumer protection rules.

5. Intellectual Property Notice

All content on the Site—including text, graphics, logos, icons, images, software, and company names—is the property of A1 Financing & Loans or its content suppliers and is protected by Canadian and international copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without prior written consent from A1 Financing.

6. Privacy & Confidentiality

Your privacy is important to us. Information collected through your use of the Site or application forms is handled in accordance with Canadian federal privacy statutes, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and applicable territorial privacy laws.

The Site uses cookies and similar technologies, including Google Tag Manager, Google Analytics, and Google Ads, to understand how the Site is used and to measure our advertising. By using the Site, you acknowledge this use. Our Privacy Policy explains what these tools collect and how you can opt out.

7. Disclaimer of Warranties & Limitation of Liability

  • “As Is” Service: The Site and its materials are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
  • Limitation: To the fullest extent permitted by applicable law, A1 Financing & Loans shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the Site or Services, including system outages, data errors, or unauthorized access.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada and the applicable laws of the Province of Manitoba, the Northwest Territories, and Nunavut, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or our Services shall be subject to the exclusive jurisdiction of the courts located in Yellowknife (NWT), Thompson (MB), or as otherwise determined under local consumer protection statutes.

9. Contact Information

If you have questions regarding these Terms or our financial services, please contact us:

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