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your financing plan?

Pay off bills and take control of your finances with a loan from Fairstone. Get a free loan quote. It’s quick and won’t impact your credit score.

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.

Tell us how much money you're looking to borrow, and enter a few simple details.

In minutes, find out how much money you could qualify for and what your payments might be

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Finalize your loan application online or in branch and have your money in as little as 24 hours

Benefits of converting to a loan from Fairstone

Is your financing plan maturing? Avoid interest charges by converting your balance into a personal loan before your plan expires

Quick application process

Flexible terms and affordable payments

Consolidate bills into a single manageable payment, pay off debt sooner and save on interest charges

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We’ve helped millions of Canadians just like you

We’ve helped millions of Canadians just like you

Trusted Canadian lender

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Personal loans for Canadians
up to $50,000 as soon as today

Whether you need to pay off bills, are facing unexpected expenses or you’re looking for extra room in your budget, our Lending Specialists can design a loan solution that suits your needs and budget. With secured and unsecured loan options, Fairstone has a loan that’s right for you.

Your privacy is important to us

Why choose a secured personal loan?

Borrow more money – up to $50,000

Access a lower interest rate and manageable payments that fit your budget

Fixed rates and flexible terms, making loan repayments easier to budget for

Call us:

800-995-2274

Terms and Conditions

Privacy and Security

Our Branches

As a homeowner, you could qualify for a secured personal loan:

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).

*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-$50,000 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.