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Army Emergency Relief (AER) Loan Alternative

If you are in need of financial assistance and do not qualify for an Army Emergency Relief (AER) loan, Omni Financial can help.  Our loans are a convenient AER loan alternative and can give you the funding you require when AER cannot.

How We Are Different


Unlike AER, Omni provides loans to soldiers in all ranks and military branches. According to Army Emergency Relief, if you fall into one of the following categories, you are ineligible to receive direct access to AER for financial assistance:

  • Soldiers with less than 12 months’ time in service (TIS).
  • Soldiers who have two or more requests (Loan or Grant) within a 12-month period.
  • Soldiers who exhibit “High Risk” behavior for financial problems IAW AR 600-85 and Sec Army Directive 2015-21.

Omni loans are available to active duty and career (20+ yrs) retired soldiers, as well as past and present Omni customers. We serve the:

Loan Usage

AER provides funds for only certain qualifying expenses. Omni loans can be used for many financial reasons, including some that are not allowed by AER, such as:

Minimal documentation

While AER requires documentation such as billing statements and repair estimates prior to funding your loan, Omni has minimal documentation requirements. This helps streamline the application and loan approval process.

Trust Omni Financial® for your Military Loan Needs

For decades Omni Financial® has provided responsible military lending options for members of the United States Armed Forces who require financial assistance. We’ve loaned millions of dollars to service members throughout the world who needed help.

When you work with Omni, you’ll receive personalized support from start to finish. You can apply for a loan online 24/7 or at one of our conveniently located offices near military installations. Borrow up to $10,000 – you could receive your funds within 24 hours!

All of our military loans are backed by a 15-day 100% satisfaction guarantee. If you change your mind for any reason or do not need the loan any longer, simply return the proceeds of the loan within 15 days of the loan’s funding.

Apply for a military loan today to get the money you need to keep your life on track. At Omni Financial®, We Love to Say Yes!®