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.
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
Unsecured personal loans
Borrow $500-$25,000 with an unsecured personal loan.
Secured personal loans
Borrow $5,000-$50,000 with a secured personal loan.
First and second mortgages
Borrow up to $400,000 with a first mortgage, or up to $125,000 with a second mortgage.
Personal Loans
From $500-$50,000
Try our free loan quote – it’s quick and won’t impact your credit score. Complete the loan process online or at 240+ 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 $50,000 – 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 240+ 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
98.5% customer satisfaction rate*
3.3 million loans approved**
Lending to Canadians for almost 100 years
Over 240 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.
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 26.99% - 39.99%, 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. Maximum APR 39.99%.
Call 800-995-2272 and speak with a Lending Specialist for more information. Fairstone does not charge any fees during the application process for an unsecured personal loan.
An example of borrowing costs paid on a $5,000 unsecured 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.
Secured personal loans and mortgages
Interest Rates on secured personal loans range from 19.99%-24.49%, with a minimum loan term of 36 months and a maximum term of 120 months. Interest Rates on mortgage loans range from 13.89%-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. All fees are included in your loan contract and explained to you by our Lending Specialists.
On a secured personal loan, the following may apply: Administration fee, appraisal fee and title search fee. Administration fees range from $50 - $300. Most appraisals will not exceed $598. However, additional appraisal fees may apply such as a cancellation fee, rush request, executive property and travel and mileage. These fees range from $10-$250. Title search fees range from: $288.48 - $1,318.45. In some provinces, the title search fee is variable and calculated based on the loan amount. Additional title search fees may apply depending on the circumstances, such as location of property.
An example of borrowing costs paid on a $10,000 secured personal loan at a rate of 19.99% on a 60-month term is $5,660 or a monthly payment of $261.84 over the course of the loan term.
This information is accurate as of Oct. 1, 2022.
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.
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 Financial Inc.
*Fairstone Customer Experience Survey – September – December 2022(n=5,961)
**Fairstone data 2007–2017.
™/® Trademarks of Fairstone Financial Inc.
In Ontario, Fairstone Financial Inc. is licensed as mortgage brokerage #10821.
In Nova Scotia, Fairstone Financial Inc. is licensed as mortgage lender #2021-3000028.