Total Finance

Total Finance (HJ Ruiz N.V.) was established in 1966 by its founder Mr. Herbert J. Ruiz. Mr. Ruiz started the business which back then was the first of its kind on the island of Aruba. Many were helped financially during the course of years and with the support of its members, the company has grown to be one of the leading Personal Financing organizations.

The Total Finance of today is a more modern and innovative organization. Total Finance will continue to move forward with new products and diligent service. Our financial experts will focus on your membership satisfaction.

Our core business is providing personal financing based on client needs. With this in mind we focus on giving the fastest service and offering our members a more simple, affordable way of financing.

The type of loans that Total Finance offers, are perfect for your vacations, purchase of your electrical appliances or furniture, medical emergencies or any type of necessity that may occur.

We offer you attractive interest rates with a variety of payment periods to choose from. As one of the leading company in Personal Financing on Aruba and with more than 45 years of experience, we can assure professionalism and complete dedication to you as our member.

Our team of experts is ready to serve you with information based on your necessity.