Aro Terms & Conditions

‘We’ are Aro Finance Limited t/a ‘Aro’.

We operate from and are registered at: Atlantic House, Atlas Business Park, Simonsway Manchester M22 5PR.

We are registered with the Information Commissioners Office (‘ICO’) Z120757X and regulated by them for the purposes of data protection. We are also authorised and regulated by the Financial Conduct Authority (‘FCA’) in relation to our services. 

This website is owned by Aro Finance Limited t/a Aro and is protected by copyright and database rights. You are not permitted to copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

The website and its services are not intended for individuals below the age of 18.

All products and services offered are governed and construed in accordance with the laws of England and Wales.

Our services

Our services are to offer personal credit solutions 24/7. We do this in our capacity as both an unsecured and secured credit broker.

Below is a breakdown of the products we promote within this site:

Credit broking: Unsecured lending

As an unsecured credit broker, we promote the following products: credit cards; personal loans; short term loans and auto finance.

Secured broking: Secured lending or second charge mortgages

As a secured broker we promote the following products: second charge mortgages more commonly referred to as ‘secured loans’. Secured loans can be used for large purchase, home renovations or debt consolidation*.

We also allow our partner ‘Cream Financial Services’ to advertise their services in respect to first charged mortgages within this site.

Debt Consolidation*

If you’re thinking of consolidating existing borrowing you should be aware that although you may reduce your monthly outgoings you may be extending the terms of the debt and increasing the total amount you repay. You should also be mindful where you are looking to secure a debt to your home as failure to keep up with repayments could result in repossession.

It’s important that you can afford the repayments now and continue to do so throughout the term of the loan as failure to keep up with your repayments could lead to defaults, CCJ’s, ultimately bankruptcy and affect your ability to obtain future credit.

Debt advice

We do not offer debt advice in regard to personal debts for example where customers are looking to reduce/amend their creditor commitments; liquidate or eradicate their debts completely. Yet in some cases, we do facilitate the introduction of customers to FCA regulated debt solution firms. These are companies who offer advice in regard to personal debts as well as offering products to help with the management or eradication of personal debts. In addition, free debt advice is also available from Money Helper or Citizens Advice.

Credit check and disclosure

In order to deliver our services to you, we undertake a soft credit search. We currently use Equifax and Accountscore to facilitate this. A soft credit search has no impact on your credit rating. It will show up on your credit report yet is only visible to you.

It’s important to bear in mind, that information held about people by credit reference agencies such as Equifax and Accountscore, may already be linked to records related to one or more of your partners or members of your household. It may also in some cases bring up errors, such as tenants that now live in a house you may have rented in the past. This may result as you being treated as ‘financially linked’ and as a result, any offers (where applicable) made may be based on a ‘linked result’.

It is important that you notify any prospective errors on your credit report directly with the credit reference agencies themselves.

Fees & commission

Aro acts as a Credit Broker and not a Lender. If you take out or are introduced to a loan or credit card provider, we will receive payment from that lender; the payment we receive, may vary dependant on the lender, yet it will not impact the amount you pay back to the lender.

We will also receive payment from the lender If you take out or are introduced to a mortgage broker for the purposes of first and second charge mortgage products. The amount we receive, may vary dependant on the lender, yet it will not impact the amount you pay back to the lender.

In addition, we also work with credit brokers and other service providers such as debt solution firms, and as such we will also receive payment should we introduce you to any of these.

​​Improving our products

We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.

Falsehoods or inaccurate information

If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, details will be shared with fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information. We and other organisations may access and use the information recorded by fraud prevention agencies to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities;
  • Managing credit and credit related accounts or facilities;
  • Recovering debt;
  • Checking details of job applicants and employees.

Details of the fraud prevention agencies we work with are available on request.

All transactions relating to our services provided are covered by, and adhere to, the Money Laundering regulations and the Proceeds of Crime Act. Our responsibilities include, but are not limited to, verifying the identity and address of our customers. Identity verification checks may include electronic searches through the Electronic Identification Verification Service, electoral roll and use of credit reference agencies.

We may also require proof of your income and expenditure to satisfy these requirements.

Website accuracy

While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error we will amend the website as soon as reasonably possible.

Accuracy of loan quotes

Aro takes every care to ensure the accuracy of the loan quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or % APRC rates and underwriting criteria at any time and without notice. This may result in a change to the loan/secured loan offered to you or may result in the loan/secured loans offer being withdrawn.

The accuracy of the loan/secured loan quotes depends upon the accuracy of the information you have provided. Aro and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdraw.

Refusing access

Aro reserves the right to refuse access to this website or any component of it. We may at any time, at the discretion of the site’s management, refuse access to certain areas of this website to any individual it chooses – this refusal of access may take whatever form the management deem suitable.

Asda Rewards – Loans promotion ‘£30 in your Cashpot’ Terms and Conditions

Take a loan through Asda Money’s trusted panel of lenders via the Asda Money website and get £30 into your Asda Rewards Cashpot. Offer available to new and existing Asda Rewards members who add their 16-digit rewards ID number during the initial eligibility check process only.

Check your eligibility and compare loan offers today by visiting

1. Offer is valid from 10:00 on 06 June to 17:00 on 26 June 2024.

2. This offer may be withdrawn or amended at any time.

3. Offer open to new and existing Asda Rewards customers, aged 18 and over.

4. Successful draw down of loan funds into your designated bank account is required and your 14 day cooling off period must have expired prior to 23:59 on the 26th of July 2024 to be eligible. Loans are subject to availability. Offer is valid for loan agreements made available through the  journey with a lender from Asda’s trusted panel of UK lenders. Offer does not apply to loan agreements originated through price comparison websites or through agreements made directly with lenders outside of the Asda Money journey.

5. To qualify for the £30 reward, you must be a member of, or join the Asda Rewards loyalty programme for free before checking your eligibility on the Aro website. Customers must input their 16-digit Asda Rewards membership number into the membership number section on the eligibility form shown via this link as part of this initial process.

6. Offer cannot be claimed retrospectively, customers must join the Asda Rewards loyalty programme for free or be an existing member before checking your eligibility.

7. Asda Rewards Mobile app and mobile data is required to join Asda Rewards.

8. Offer limited to one qualifying loan agreement per Asda Rewards customer during the promotion period as set out in point 1.

9. Offer not available in conjunction or combination with any other loans Cashpot rewards offer.

10. If a loan is cancelled within the initial 14 day cooling off period after the date of acceptance, you will not be eligible to receive the Cashpot reward.

11. £30 will be applied to your Cashpot balance within 60 days of completing your qualified loan agreement as set out in point 4.

12. Cashpot to be spent at Asda instore or online (excluding Exclusions apply, see full Asda Rewards T&Cs at

13. £30 Cashpot reward is non-transferable, and no alternative reward will be offered.

14. Open to UK residents aged 18 or over via Asda’s online comparison journey via . Not available to customers completing eligibility checks over the phone or via price comparison websites

15. Asda reserves the right to modify this promotion or the T&Cs at any time.

16. Promoter: Asda Stores Ltd, Great Wilson Street, Leeds, LS11 5AD.