Terms and conditions:
*On approved credit and subject to meeting Fairstone’s current credit standards. Delay the Pay refers to a loan payment deferral. Delay the Pay/No payments until July 2026 offer applies only to loans approved and disbursed between May 27 and May 31, 2026 in Quebec (a 35-day payment deferral offer); and between May 19 and May 31, 2026 in the rest of Canada (a 45-day payment deferral offer). Interest begins to accrue from the date the loan is disbursed and will continue to accrue on the total amount of the deferred payment, until the payment is paid in full, at the interest rate disclosed in the loan and is not waived. As a result, the first loan payment will be higher than the remaining scheduled payments.
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 Financial Inc. holds high-cost credit grantor licenses in AB, MB and QC; it has applied for high-cost credit grantor licenses in NL. For license information by province, 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. In Manitoba, Fairstone Financial Inc. is licensed as a high-cost credit grantor, license number #85047 (expiry date 20-02-2026).
1Based on internal Fairstone data 2015-2024, compiling the number of lending products that Fairstone has funded during the timeframe (total=3,079,582).
2Based on data from our recent Fairstone Customer Experience Survey – March - June 2025 (n=3,945)
® 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.
In Manitoba, Fairstone Financial Inc. is licensed as a high-cost credit grantor, license number #85047 (expiry date 20-02-2026).
Why Canadians choose Fairstone
Simplified payments
Stop juggling due dates and stay in control with one simple loan payment.
Simplified payments
Stop juggling due dates and stay in control with one simple loan payment.
Pay off debt faster
Make progress, not just minimum payments that barely move the needle.
Pay off debt faster
Make progress, not just minimum payments that barely move the needle.
Reduce interest charges
Avoid extra fees from missed or late payments and pay less interest over time.
Reduce interest charges
Avoid extra fees from missed or late payments and pay less interest over time.
Improve cash flow
Lower your debt payments and free up your budget for everyday expenses.
Improve cash flow
Lower your debt payments and free up your budget for everyday expenses.
Reduce interest charges
Avoid extra fees from missed or late payments and pay less interest over time.
Reduce interest charges
Avoid extra fees from missed or late payments and pay less interest over time.
Improve cash flow
Lower your debt payments and free up your budget for everyday expenses.
Improve cash flow
Lower your debt payments and free up your budget for everyday expenses.
Our loan process is simple – 3 minutes is all it takes to get started
Get a loan quote
Instantly find out how much money you could qualify for and what your payments might be
Connect with a Lending Specialist
A Lending Specialist will be in touch to customize your loan details
Complete your application
Submit your documents online or in-branch and access your funds in as little as 24 hours
Get a loan quote
Instantly find out how much money you could qualify for and what your payments might be
Connect with a Lending Specialist
A Lending Specialist will be in touch to customize your loan details
Complete your application
Submit your documents online or in-branch and access your funds in as little as 24 hours
I applied for a loan online. Fairstone guided me through the entire process. I completed everything on my phone – it was that easy!
-Fairstone customer in British Columbia
I applied for a loan online. Fairstone guided me through the entire process. I completed everything on my phone – it was that easy!
-Fairstone customer
in British Columbia
Our loan process
is simple –
3 minutes is all it takes to get started
Trusted and responsible lender
Chosen more than 3 million times in the past 10 years,1 Fairstone is a trusted Canadian lender, backed by Fairstone Bank.
1926
Nearly 100 years of lending in Canada
260+
Branches coast to coast
98.4%
Customer satisfaction rate2
Fast funding
Simple process
Friendly service
Fairstone is a leading provider of responsible lending solutions with a nearly 100-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 more than 260 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.
Personal loans
from $500-$25,000
Give your budget a spring break. Consolidate debt, cover expenses and plan your next financial step — all without making a loan payment until July.
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.
No obligation, no impact to your credit score.
Personal loans from $500-$25,000
Give your budget a spring break. Consolidate debt, cover expenses and plan your next financial step — all without making a loan payment until July.
No obligation, no impact to your credit score.
Fairstone was incredibly helpful and made the process simple. Paying off my credit card debt took away so much stress and I’m no longer living paycheque to paycheque.
- Fairstone Customer
See what customers are saying about their experience at Fairstone
As a first-time homebuyer, juggling my mortgage, bills and credit cards was tough. Fairstone helped me get a loan to pay off my car and bills, and I instantly felt a huge relief.
- Fairstone Customer
As a first-time homebuyer, juggling my mortgage, bills and credit cards was tough. Fairstone helped me get a loan to pay off my car and bills, and I instantly felt a huge relief.
- Fairstone Customer
Fairstone was incredibly helpful and made the process simple. Paying off my credit card debt took away so much stress and I’m no longer living paycheque to paycheque.
- Fairstone Customer