Personal Loans
$500-$25,000
Get a loan by May 31, 2025 and delay your payments for 45 days.* Try our no-obligation loan quote to find out how much money you could qualify for.
Why Canadians choose Fairstone
Quick and secure loan application and money as soon as today
Flexible and affordable payment options that fit your needs and budget
One-on-one service online or at 250+ branches
Home equity loan options with larger borrowing amounts and lower interest rates
No obligation, no impact to your credit score.
Make no payments until July 2025
Cover expenses, consolidate bills and make room in your budget this summer. Borrow up to $25,000 by May 31 and delay your payments until July 2025!
Start with a no-obligation loan quote to find out how much money you could qualify for – it’s quick and won’t impact your credit score.
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.
*On approved credit and subject to meeting Fairstone’s current credit standards. The no payments until July 2025 offer applies only to loans approved and disbursed between May 27 and May 31, 2025 in Quebec (a 35-day payment deferral offer); and between May 17 and May 31, 2025 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.
® Trademarks of Fairstone Financial Inc.
Fairstone Financial Inc. is a wholly owned subsidiary of Fairstone Bank of Canada
Fairstone is Canada’s leading provider of responsible lending solutions for near-prime borrowers. With more than 250 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 nearly 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 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.