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.