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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.

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GET A LOAN QUOTE

Looking for some extra room in your budget?
Apply today.

Your mail offer is time-sensitive. Get started with a free online loan quote today.

Tell us how much money you’re looking to borrow and enter a few 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

Get an instant quote!
Simple and secure online application

Consolidate debt and unpaid bills

Combine multiple bills into one simple monthly payment. Reduce interest charges and get out of debt faster.

Manage home or auto repairs

Cover home or auto repairs with affordable payments that fit your needs, budget and lifestyle. Homeowners can access more money – up to $50,000 – and a lower interest rate with a secured personal loan.

Cover emergencies and unexpected expenses

There are some expenses you can plan for, and others you can’t. If you have an emergency, a quick personal loan can get you the money you need in as little as 24 hours.

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

Create room in your budget with a personal loan from Fairstone

Whether you’d like to apply for a new loan or renew your current loan, it’s quick and simple to get started with an online loan quote.

GET A LOAN QUOTE

Are you a homeowner?

As a homeowner, you can take advantage of the equity in your home to access more money at a lower interest rate. Take out a secured personal loan to consolidate debt, manage unexpected expenses, cover renovations and more.

Lower interest rate

Access our lowest interest rates with a secured loan.

Lower payments

Our secured loans offer the best value for homeowners, with lower payments compared to unsecured loans.

More money

Borrow more money – up to $50,000 – with a secured loan.

Fairstone's loan options

Compare our loan products to find out which one is right for you.

Product Details

Secured loan

Unsecured loan

Loan amount

Interest rate

Term

Guarantee

Time to process

Prepayment penalties

Fees

Payments

Secured

$500-$25,000

14 days

<1 day

None

None

Fixed

No

6-60 months

26.99%-39.99%

$5,000-$50,000

3 days

3+ days

Yes

Vary by province

Fixed

Yes

36-120 months

19.99%-23.99%

We’ve helped millions of Canadians just like you

GET A LOAN QUOTE

Trusted Canadian lender

98.7% customer satisfaction rate*

3.3 million loans approved**

Lending to Canadians for almost 100 years

98.7% customer satisfaction rate*

3.3 million loans approved**

Lending to Canadians for almost 100 years

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.

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

**Fairstone data 2007–2017.

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.

GET A LOAN QUOTE

© 2021, TM Fairstone Financial Inc. In Ontario, Fairstone Financial Inc. is licenced as mortgage brokerage 10821.

Unsecured loan

Loan amount

Interest rate

Term

Secured

Payments

Fees

Prepayment penalties

Time to process

Guarantee

$500-$25,000

26.99%-39.99%

6-60 months

No

Fixed

None

None

<1 day

14 days

Secured loan

Loan amount

Interest rate

Term

Secured

Payments

Fees

Prepayment penalties

Time to process

Guarantee

$5,000-$50,000

19.99%-23.99%

36-120 months

Yes

Fixed

Vary by province

Yes

3+ days

3 days

Get an instant quote!
Simple and secure online application

Consolidate debt and unpaid bills

Combine multiple bills into one simple monthly payment. Reduce interest charges and get out of debt faster.

Manage home or auto repairs

Cover home or auto repairs with affordable payments that fit your needs, budget and lifestyle. Homeowners can access more money – up to $50,000 – and a lower interest rate with a secured personal loan.

Cover emergencies and unexpected expenses

There are some expenses you can plan for, and others you can’t. If you have an emergency, a quick personal loan can get you the money you need in as little as 24 hours.

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

Create room in your budget with a personal loan from Fairstone

Whether you’d like to apply for a new loan or renew your current loan, it’s quick and simple to get started with an online loan quote.

GET A LOAN QUOTE