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Finalize your loan application online or at a branch and have your money in as little as 24 hours
Consolidate debt, cover unexpected expenses and more.
With a personal loan from Fairstone, you can borrow $500-$50,000 to consolidate debt, cover unexpected expenses, and more. You'll benefit from affordable payments, a quick and simple loan application, and funds deposited 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.
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 like car repairs with money as soon today.
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 like car repairs with money as soon as today.
Trusted Canadian lender
98.5% customer satisfaction rate**
3.3 million loans approved***
Nearly 100 years of Canadian lending experience
98.5% customer satisfaction rate**
3.3 million loans approved***
Nearly 100 years of Canadian lending experience
About Fairstone
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 personal loans and home equity loans to near-prime customers online and in 250 branches coast to coast.
Contact: 1-800-995-2274
630 René-Lévesque West, suite 1400 Montréal, QC H3B 4Z9
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.
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 26.99% - 39.99%, 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. Maximum APR 39.99%.
An example of a $10,000 unsecured personal loan: APR of 39.49%, 60-month term, monthly payment of $384.14 including principal and interest.
Secured personal loans and mortgages:
Interest Rates on secured personal loans range from 19.99%-24.49%, 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.
Fairstone is a provider of personal loans and mortgages and is headquartered at 630 René-Lévesque Blvd W, Montreal, Quebec H3B 4Z9, 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.
**Fairstone Customer Experience Survey – September – December 2022 (n=5,961)
***Fairstone data 2007–2017.
® Trademarks of Fairstone Financial Inc.
Personal Loans
From $500-$50,000
Get a loan quote to find out how much money you could qualify for – 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.
Your privacy is important to us
Product Details
Secured loan
Unsecured loan
Loan amount
Interest rate
Term
Guarantee
Time to process
Prepayment penalties
Fees
Payments
Homeownership required
$500-$25,000
14 days
<1 day
None
None
Fixed
No
6-60 months
26.99%-39.99%*
$5,000-$50,000
3 days
3+ days
Yes
Vary by province
Fixed
Yes
36-120 months
19.99%-24.49%
Compare personal loan options to find out
which one is right for you
*Interest rates are subject to change. Actual Annual Percentage Rate (APR) varies based on the province of residence and individual factors like credit details and loan amount. The interest rate on an unsecured personal loan is 31.99% in BC, 31.99% in MB, and 34.99% in QC.
We’ve helped millions of Canadians just like you
Unsecured loan
Loan amount
Interest rate
Term
Homeownership required
Payments
Fees
Prepayment penalties
Time to process
Guarantee
$500-$25,000
26.99%-39.99%*
6-60 months
No
Fixed
None
None
<1 day
14 days
Secured loan
Loan amount
Interest rate
Term
Homeownership required
Payments
Fees
Prepayment penalties
Time to process
Guarantee
$5,000-$50,000
19.99%-24.49%
36-120 months
Yes
Fixed
Vary by province
Yes
3+ days
3 days
Compare personal loan options to find which one is right for you
*Interest rates are subject to change. Actual Annual Percentage Rate (APR) varies based on the province of residence and individual factors like credit details and loan amount. The interest rate on an unsecured personal loan is 31.99% in BC, 31.99% in MB, and 34.99% in QC.