Personal Loans
$500-$25,000
Get a loan by May 31 and delay your payments until July 2025.* Try our no-obligation loan quote to find out how much money you could qualify for.
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.
Trusted Canadian lender
98.5% customer satisfaction rate**
3.1 million loans approved***
Lending to Canadians for almost 100 years
98.5% customer satisfaction rate**
3.1 million loans approved***
Lending to Canadians for almost 100 years
Your privacy is important to us
Tell us how much money you’re looking to borrow and enter a few details
In minutes, find out how much money you could qualify for and what your payments might be
START WITH AN INSTANT QUOTE
RECEIVE AN INSTANT RESPONSE
GET YOUR MONEY QUICKLY
Finalize your loan application online or in branch and have your money in as little as 24 hours
Money as soon as today with no payments until July 2025
Money as soon as today with no payments until July 2025
® 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.
Make no payments until July 2025
Access up to $25,000 to pay off your financing plan, cover expenses or consolidate bills and delay your first payment for 45 days. Start with a no-obligation loan quote to find out how much money you could qualify for. It only takes a few minutes and there’s no impact to your credit score.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Secured personal loans
Use home equity to access lower interest rates, lower payments and more money.
Debt consolidation loans
Combine multiple bills and get out of debt faster with one simple monthly payment.
Emergency loans
Manage urgent or unexpected expenses with funds in as little as 24 hours.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Secured personal loans
Use home equity to access lower interest rates, lower payments and more money.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Debt consolidation loans
Combine multiple bills and get out of debt faster with one simple monthly payment.
Unsecured personal loans
Get the money you need with manageable and affordable payments that fit your budget.
Emergency loans
Manage urgent or unexpected expenses with funds in as little as 24 hours.
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.
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 – March - June 2024 (n=4,469)
***Fairstone data 2015-2024