Give your budget some flexibility with a quick loan from $500 to $60,000

Get the money you need and stay on track with an affordable payment schedule that fits your needs, budget and lifestyle. Get a free loan quote anywhere, anytime, and find out how much money you could qualify for in minutes.

What can I use a personal loan for?

Consolidate debt and bills into one manageable monthly payment

Cover emergencies and unexpected expenses

Manage home or auto repairs

Plan ahead for special events like a wedding, travel or a new baby

With over 250 branches coast to coast and a 98.2% customer satisfaction rate*, choosing Fairstone for a personal loan is an easy decision.

Call us at any time:

800-995-2274

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We’ve helped millions of Canadians just like you

Get a personalized loan quote in minutes

Terms and Conditions

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Our Branches

Affordable payments that fit your budget

Our flexible payment options allow you to stay in control of your loan. We’ll work with you to find a payment schedule that suits your needs, budget and lifestyle:

Pay as little as $78 biweekly on a $5,000 loan

*Terms and conditions apply

® 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.

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 $400,000 with a first mortgage, or up to $125,000 with a second mortgage.