Consolidate Your Debt

Experience relief with a debt consolidation loan. Get started with a free loan quote today.


Personal Loans
From $500 - $30,000

Get a free loan quote telling you how much money you could borrow. It’s quick and won’t impact your credit score.

Simply tell us how much money you're looking to borrow, and enter a few personal details.

We'll tell you how much money you could qualify for, and what your payments might be.




Interested in your quote? Finalize your application in-branch, and have your money quickly.

A debt consolidation loan can help you:

Consolidate your debts and bills into one manageable monthly payment

Pay off credit cards

Take care of outstanding bills

Get in control of your finances

We’ve helped millions of Canadians find a loan. With over 240 branches coast to coast and a 98.7% customer satisfaction rate**, our only question is: how can we help you?

A quick and secure online loan application

Manageable, fixed payments that you can afford

Secured and unsecured loan options, so you can get the money you need

One-on-one local service at a branch near you

Count on us for


Get an instant quote!
Simple and secure online application

We’ve helped millions of Canadians just like you


We’ve helped millions of Canadians just like you

Why choose a loan from Fairstone?

98.7% customer satisfaction rate**

3.3 million loans approved***

Serving Canadians for almost 100 years

98.7% customer satisfaction rate**

3.3 million loans approved***

Serving Canadians for almost 100 years

© 2021, TM Fairstone Financial Inc.

Fewer Bills, More Freedom

Reduce your debt, restore your credit and relieve your stress with a debt consolidation loan from Fairstone. Get a free loan quote anywhere, anytime, and find out how much money you could qualify for in just a few minutes.

Your privacy is important to us


Fairstone is Canada’s leading provider of responsible lending solutions for near-prime borrowers. With over 240 branches coast to coast, Fairstone provides personal loans and home equity loans designed to suit today’s borrowing needs. Fairstone also partners with a wide network of businesses to deliver flexible retail point-of-sale and automobile financing programs. With roots in Canada for almost 100 years, Fairstone is committed to making a difference in local communities.


Contact: 1-800-995-2274
630 René-Lévesque West, suite 1400 Montréal, QC H3B 4Z9

We're here when you need us

Unsecured personal loans
Borrow up to $20,000 with a personal loan.

Secured personal loans
Borrow up to $50,000 with secured personal loan.

Mortgage refinancing
Borrow up to $400,000 with first mortgage refinancing, or up to $125,000 with a second mortgage.

Offers provided to users who complete a loan quote are based on a rate of no greater than 39.99% APR with a term from 6-60 months. Your actual rate will vary based on provincial regulations and factors like credit score, homeownership status and loan amount. Call 800-995-2272 and speak with a Lending Specialist for more information.

An example of borrowing costs paid on a $5,000 personal loan at a rate of 39.99% on a 60-month term is $6,623 or a monthly payment of $193.73 over the course of the loan term.

Loan terms range from 6-120 months; APR: 19.99%-39.99%. Interest rates vary by province and from customer to customer.

Fairstone does not charge any administration fees on personal loans. On a secured personal loan, fees may apply and vary by province/territory. Fees may include a home valuation, title examination and insurance fees, administration fees and other applicable fees. Fairstone is a provider of personal loans and mortgages and is headquartered at 630 René-Lévesque Blvd W, Montreal, Quebec H3B 4Z9, Telephone Number 800-995-2274. 

*Contest terms and conditions apply. No purchase necessary. Contest is open to legal residents of Canada who are the age of majority in the province or territory in which they reside and who are the primary account holder of a new or existing personal loan. Limit of one entry per loan. Twenty-two (22) prizes to be awarded which include two $5,000 cash prizes and twenty $1,500 cash prizes (two $1,500 prizes to be awarded per province with the Yukon included with British Columbia, and the Northwest Territories and Nunavut included with Alberta). There is a maximum of one prize awarded per entrant and one prize awarded per branch location. Contest runs from September 1-30, 2021. Prize draw is October 15, 2021, and prizes will be fulfilled between November 1 and 17, 2021. Odds of winning will depend on the number of eligible entries received. Correct answer to mathematical skill-testing question required. To see full contest rules, please visit

**Fairstone Customer Experience Survey – April - December 2020 (n=5,130)

***Fairstone data 2007–2017.