We’ve helped millions of Canadians just like you
We’ve helped millions of Canadians just like you
Tell us how much money you’re looking to borrow and enter a few simple details
In minutes, find out how much money you could qualify for and what your payments might be
START WITH AN INSTANT QUOTE
RECEIVE AN INSTANT RESPONSE
GET YOUR MONEY QUICKLY
Finalize your loan application online or in branch and have your money in as little as 24 hours
FINANCIAL RELIEF OPTIONS FOR FAIRSTONE CUSTOMERS
We’re ready and available to assist you with loans and financial relief options online, by phone or at your nearest branch.
ACCESS MORE MONEY WITH OUR ONLINE APPLICATION PROCESS
Find out if you’re eligible to access more money. Get started with an online loan quote and renew your loan online or in branch.
Personal Loans
From $500-$60,000
Try our free loan quote – it’s quick and won’t impact your credit score. Complete the loan process online or at 250+ branches and you could have your money as soon as 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.
Your privacy is important to us
What we offer:
Personal loans: Unsecured personal loans and secured personal loans with manageable payments that fit your needs and budget
Emergency loans: Get a quick online loan to cover an unexpected expense or emergency
Debt consolidation loans: Consolidate debt and simplify your payment schedule with an online debt consolidation loan
Conveniently apply online or in branch and have your money deposited in your account in as little as 24 hours.
Get an instant quote!
Simple and secure online application
Personal loans online for Canadians
Borrow up to $60,000 – apply online or in branch
Fairstone offers online loans for Canadians in the fair to good credit score range.
A quick and secure loan application online or at 250+ branches
Flexible payment options – choose from a variety of payment frequencies to suit your needs and budget
Unsecured personal loans, secured personal loans and mortgages, so you can find the loan that suits you
One-on-one local service from our knowledgeable Lending Specialists
Why Canadians choose Fairstone
Trusted Canadian lender
98.2% customer satisfaction rate*
3.3 million loans approved**
Lending to Canadians for almost 100 years
Over 250 branches across Canada
This is Fatima’s loan story
Learn how Fatima’s small loan made a big difference when it came to repairing her home.
This is Jamal’s loan story
Faced with unexpected car repairs, Jamal turned to Fairstone to get the money he needed to get back on the road.
A loan story for every Canadian
Learn how a loan from Fairstone helped Fatima and Jamal – everyday Canadians who needed a little extra help to get their finances back on track.
Fairstone is a leading provider of responsible lending solutions, with a nearly one-hundred-year legacy in Canada. As an operating subsidiary of Fairstone Bank of Canada, Fairstone offers unsecured personal loans, secured personal loans and mortgages to near-prime customers online and in over 250 branches coast to coast.
Contact: 1-800-995-2274
630 René-Lévesque West, suite 1400 Montréal, QC H3B 1S6
Unsecured personal loans
Borrow $500-$25,000 with an unsecured personal loan.
Secured personal loans
Borrow $5,000-$60,000 with a secured personal loan.
First and second mortgages
Borrow up to $600,000 with a first mortgage, or up to $300,000 with a second mortgage.
® Trademarks of Fairstone Financial Inc.
Fairstone Financial Inc. is a wholly owned subsidiary of Fairstone Bank of Canada.
In Ontario, Fairstone Financial Inc. is licensed as mortgage brokerage #10821.
In Nova Scotia, Fairstone Financial Inc. is licensed as mortgage lender #2021-3000028.
Terms and conditions:
Loan offers are only valid if you meet our current credit standards. Offers provided to users who complete a loan quote are for an unsecured personal loan only.
Unsecured personal loans:
Interest Rates on unsecured personal loans range from 29.99%-34.99%, with a minimum loan term of 6 months and maximum term of 60 months. Your actual Annual Percentage Rate (APR) will vary based on province of residence and individual factors like the details of your credit report and loan amount.
An example of a $10,000 unsecured personal loan: APR of 34.99%, 60-month term, monthly payment of $354.84 including principal and interest.
Fairstone holds high-cost credit licenses in AB and QC; it has applied for high-cost credit grantor licenses in NL, BC and MB. For license information by location, visit www.Fairstone.ca/HCCG.
For NL and MB residents: Annual interest rates on unsecured personal loans range from 29.99%-34.99%. A non-sufficient funds (NSF) charge of $45 may be applied to returned payments due to non-sufficient funds. If you incur two NSFs within a three-month period or three NSFs within a 12-month period, in addition to the charge of $45 that may be applied to each NSF and until the situation is rectified, (i) you will no longer be able to make your payments by way of pre-authorized debits and (ii) the repayment will be restricted to payments by debit card, phone payments with your local branch, online banking payments through your financial institution, cash and certified cheque. An unsecured personal loan may be cancelled within 14 days of signing the agreement, in accordance with High-Cost Credit legislation in each of these provinces.
Secured personal loans and mortgages:
Interest Rates on secured personal loans range from 19.99%-25.99%, with a minimum loan term of 36 months and a maximum term of 120 months. Interest Rates on mortgage loans range from 14.99%-20.25%, with a minimum loan term of 12 months and a maximum term of 60 months, and amortization periods up to 25 years. Your actual APR will vary based on individual factors including province/territory, the details of your credit report and financial situation, loan type and services provided in order to secure the loan including administration fee, appraisal fee, title fee and solicitor/notary fee. All fees are included in your loan contract and explained to you by our Lending Specialists.
An example of a $40,000 secured personal loan: APR 23.26%, 120-month term, monthly payment of $861 including principal and interest.
An example of a $90,000 mortgage: APR 18.94%, 60-month term, 20 years amortization, monthly payment of $1,371 including principal and interest.
Fairstone is a provider of personal loans and mortgages and is headquartered at 630 René-Lévesque Blvd W, Montreal, Quebec H3B 1S6, Telephone Number 800-995-2274.
In Ontario, Fairstone Financial Inc. is licensed as mortgage brokerage #10821. In Nova Scotia, Fairstone Financial Inc. is licensed as mortgage lender #2021-3000028.
*Fairstone Customer Experience Survey – September - December 2023 (n=4,377)
**Fairstone data 2007–2017.