Loans up to $600,000
Whether you’re borrowing a little or a lot, explore personal loans, home equity loans and mortgage refinancing options that fit your needs and budget.
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.
Helping Canadians for nearly 100 years
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 255 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).
Trusted and responsible lender
Fairstone is a trusted Canadian lender, backed by Fairstone Bank of Canada.
1926
Nearly 100 years of lending in Canada
255+
Branches coast to coast
98%
Customer satisfaction rate**
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).
*Payment examples are for demonstration purposes only. Payments shown are estimates based on the loan amounts and terms provided. Actual rates and payments may vary based on creditworthiness and other factors. Applicants must meet Fairstone's current credit standards. Other terms and conditions apply. For a personalized quote, speak to a Lending Specialist or get a loan quote online.
**Based on our data from our Fairstone Customer Experience Survey (2021 - 2025), rounded down to the nearest whole number.
Loans up to $600,000
Whether you’re borrowing a little or a lot, explore personal loans, home equity loans and mortgage refinancing options that fit your needs and budget.
Helping Canadians for nearly 100 years
Flexible loans for life’s expenses
Debt consolidation
Consolidate your bills into one manageable payment. Simplify your payment schedule, pay off debt faster and save money on interest.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Home renovations
Access funds to cover unexpected home repairs or manage renovation costs with affordable payments that fit your budget.
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
From debt consolidation to home repairs, car trouble and everything in between, Fairstone loans help you manage costs with affordable payments that fit your budget.
Car repair
Cover unexpected auto expenses like engine repairs, transmission work or collision damage with a quick and flexible loan.
Budget shortfall
Bridge the gap between paycheques and avoid falling behind on bills.
Fast funding
Simple process
Friendly service
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
Debt consolidation
Consolidate your bills into one manageable payment. Simplify your payment schedule, pay off debt faster and save money on interest.
Budget shortfall
Bridge the gap between paycheques and avoid falling behind on bills.
Home renovations
Access funds to cover unexpected home repairs or manage renovation costs with affordable payments that fit your budget.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Car repair
Cover unexpected auto expenses like engine repairs, transmission work or collision damage with a quick and flexible loan.
Borrow a little or a lot
Compare your borrowing options
Unsecured personal loans from $500 – $25,000
Borrow without collateral and benefit from fast funding in as little as 24 hours, plus no pre-payment penalties.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Secured personal loans from $5,000 – $60,000
Secure your personal loan with home equity to enjoy a lower interest rate, lower payments and access to more funds than with an unsecured loan.
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Home equity loans up to $600,000
Unlock your home equity for maximum borrowing power and our lowest interest rates. Choose from mortgage refinancing or second mortgage loan options.
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.
Unsecured personal loans from $500 – $25,000
Borrow without collateral and benefit from fast funding in as little as 24 hours, plus no pre-payment penalties.
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
Secured personal loans from $5,000 – $60,000
Secure your personal loan with home equity to enjoy a lower interest rate, lower payments and access to more funds than with an unsecured loan.
Home expenses
Fix leaks, breaks or repairs that can’t wait, from roofing to plumbing or appliances.
Home equity loans up to $600,000
Unlock your home equity for maximum borrowing power and our lowest interest rates. Choose from mortgage refinancing or second mortgage loan options.
Quick personal loans
Whether you apply for a loan online or at your local branch, you’ll receive one-on-one service from a knowledgeable Lending Specialist.
See how loan payments could fit your budget
Choose the loan amount and payment schedule that's right for you.
Quick personal loans
Whether you apply for a loan online or at your local branch, you’ll receive one-on-one service from a knowledgeable Lending Specialist.
Unsecured personal loan
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
60-month term
$5,000
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Bi-weekly payments from
$82*
Unsecured personal loan
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
36-month term
$12,000
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Weekly payments from
$124*
Secured personal loan
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
120-month term
$25,000
Car repairs
Cover breakdowns, maintenance or insurance deductibles and get back on the road.
Monthly payments from
$547*
Estimate your loan payments
Use our personal loan calculator to see how loan amount, payment frequency and term affect your loan payment.
Estimate your loan payments
Borrowing money is an important decision. We’re here to support your financial journey with tips and tools. Head on over to our blog to discover your borrowing options, understand what to expect from your loan and learn how to save money on borrowing costs.
60-month term
$5,000
Bi-weekly payments from
$82*
36-month term
$12,000
Weekly payments from
$124*
120-month term
$25,000
Monthly payments from
$547*
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.