Emergency loans
from $500-$60,000
From quote to funds, it’s fast. Cover unexpected expenses with a loan 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.
No obligation, no impact to your credit score.
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 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.
® 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.
I was facing financial difficulties and urgent home repairs, and they helped when I had nowhere else to turn. The team was compassionate, knowledgeable and made the process comfortable. I highly recommend Fairstone.
- Fairstone Customer in Nova Scotia
I was facing financial difficulties and urgent home repairs, and they helped when I had nowhere else to turn. The team was compassionate, knowledgeable and made the process comfortable. I highly recommend Fairstone.
- Fairstone Customer
in Nova Scotia
I first got a small loan to cover bills after losing my pet. Two months later, I needed help again with unexpected car repairs and was able to renew for a larger amount. The process was quick and the team was courteous.
- Fairstone Customer in Ontario
I first got a small loan to cover bills after losing my pet. Two months later, I needed help again with unexpected car repairs and was able to renew for a larger amount. The process was quick and the team was courteous.
- Fairstone Customer
in Ontario
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
250
Branches coast to coast
98.5%
Customer satisfaction rate2
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.
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).
*Payments as low as $77.28 is based on a 60-month loan term at an annual interest rate of 31.99%. Important terms and conditions apply. On approved credit. Speak with one of our Lending Specialists or visit Fairstone.ca for more information.
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 2024 (n=4,469)
Emergency loans
from $500-$60,000
From quote to funds, fast – cover unexpected expenses with a loan as soon as today.
No obligation, no impact to your credit score.
Life happens, we’ve got you covered.
Budget shortfall
Bridge the gap between paycheques and avoid falling behind on bills.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
Stay on track when your budget takes a hit. Payments as low as $78 bi-weekly on a $5,000 loan.*
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
Budget shortfall
Bridge the gap between paycheques and avoid falling behind on bills.
Fair to good credit? You could be approved.
When time isn’t on your side, we are – with loans funded three times per day.
When time isn’t on your side, we are – with loans funded three times per day.
Fast funding
Simple process
Friendly service
Fair to good credit? You could be approved.
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
Budget shortfall
Bridge the gap between paycheques and avoid falling behind on bills.
Budget shortfall
Bridge the gap between paycheques and avoid falling behind on bills.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.