Personal
loans
from $500-$60,000
Consolidate debt, cover unexpected expenses and more with payments that fit your budget. Pay as low as $82 bi-weekly on a $5,000 loan.*
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.
No obligation, no impact to your credit score.
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 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-$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.
®
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.
I
applied for a loan
online. Fairstone guided me through the entire process. I completed everything on my phone – it was that
easy!
-Fairstone customer in British Columbia
I applied for a loan
online. Fairstone guided me through the entire process. I completed everything on my phone – it was that
easy!
-Fairstone customer
in
British Columbia
As
a first-time
homebuyer, juggling my mortgage, bills and credit cards was tough. Fairstone helped me get a loan to pay
off my car and bills, and I instantly felt a huge relief.
-Fairstone customer in Ontario
As
a first-time
homebuyer, juggling my mortgage, bills and credit cards was tough. Fairstone helped me get a loan to pay
off my car and bills, and I instantly felt a huge relief.
-Fairstone
customer
in
Ontario
At
Fairstone,
you can count on:
Trusted and responsible lender
Chosen
more than 3 million times in the past 10 years,1 Fairstone is a trusted Canadian lender, backed
by Fairstone Bank.
1926
Nearly 100 years of lending in Canada
250
Branches coast to coast
98.4%
Customer satisfaction rate2
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).
*Payments as
low as $82 is based on a 60-month loan term at an annual
interest rate of 34.99%. Important terms and conditions apply. On approved credit. Speak with one of our
Lending Specialists or visit Fairstone.ca for more information.
1Based on internal
Fairstone data 2015-2024, compiling the number of lending products that Fairstone has funded during the
timeframe (total=3,079,582).
2Based on our data from our recent Fairstone Customer
Experience Survey – March - June 2025 (n=3,945)
Personal
loans
from
$500-$60,000
Consolidate debt, cover unexpected expenses and more with payments that fit your budget. Pay as low as $82 bi-weekly on a $5,000 loan.*
No obligation, no impact to your credit score.
Fast funding
Access funds as soon as today
Simple
process
Apply online or at a branch
Friendly
service
One-on-one local support
Budget-friendly borrowing starts here
Budget-friendly borrowing starts here
Get a loan quote to find out how much money you qualify for and what your payments might be
Start
with an instant quote
Receive
an instant response
Get
your money quickly
Get a loan quote to find out how much money you qualify for and what your payments might be
