Personal Loans
from $500–$60,000
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
Loans up to $60,000 as soon as today
A personal loan from Fairstone features affordable payments, fixed rates and flexible payment options. Get a free loan quote anywhere, anytime, and find out how much money you could qualify for in just a few minutes.
What can I use a personal loan for?
Consolidate bills into one manageable monthly payment
Pay for home improvements or auto repairs
Manage emergencies and unexpected expenses
Plan ahead for special events like a wedding, travel or a new baby
We’ve helped millions of Canadians find a loan. With over 250 branches coast to coast and a 98.4% customer satisfaction rate*, our only question is: how can we help you?
Count on us for
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
Why choose a loan from Fairstone?
98.4% customer satisfaction rate*
3.3 million loans approved**
Serving Canadians for almost 100 years
98.4% customer satisfaction rate*
3.3 million loans approved**
Serving Canadians for almost 100 years
Personal Loans
from $500–$60,000
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
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.
START WITH AN INSTANT QUOTE
RECEIVE AN INSTANT RESPONSE
GET YOUR MONEY QUICKLY
Interested in your quote? Finalize your application in-branch, and have your money quickly.
We’ve helped millions of Canadians just like you
Get a personalized loan quote in minutes
Terms and conditions:
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 Financial Inc. 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).
* Selon les données de notre récent sondage sur l’expérience client de la Financière Fairstone – mars – juin 2025 (n=3 945)
**Fairstone data 2007–2017.
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.
® 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).