Avg. Rating: 4.9 (15 reviews)

Fairstone is Canada’s leading non-bank lender, with roots in Canada since 1923. We offer flexible loan products that meet Canadians’ borrowing needs. From personal loans to home equity loans and debt consolidation, Fairstone provides responsible borrowing solutions at over 225 branches coast to coast. Fairstone also partners with businesses across Canada to offer consumer financing. We’re proud to help in the communities where we live and work, because community matters.

  • TIME IN BUSINESS: Since 1923
  • # OF CUSTOMERS: Over 1M
  • LOANS OFFERED: Installment Loan, Debt Consolidation, Home Equity, Secured Loan (Asset Based)
Apply Now


CustomerCareCanada@Fairstone.ca 630 René-Lévesque West suite 1400 Montréal, QC H3B 4Z9
Call Center: 8am - 8pm (EST) Monday - Friday
Support Offered:
  • Email
  • Call Centre
  • Web Chat
Availability: All of Canada except Nunavut

Products Offered

Below are all the products offered by this company.

Conditions & Rates

Interest rate19.99% – 39.99% Amount $500 – $30,000 Term 6 – 120 Months

Eligibility & Documents

Who is eligible

  • In accordance with provincial requirements.

What you need to provide

  • Personal identification
    Proof of income
    Housing information

Repayment & Issuance

How fast can you get the money Under 48 hours Funding method Direct deposit How does repayment work Bi-weekly, semi-monthly or monthly payments.

Frequently Asked Questions About Fairstone

What is Fairstone?

Fairstone is one of Canada's leading non-bank lenders, with roots in Canada since 1923. They offer flexible loan products, from personal loans to home equity loans and debt consolidation. Their long history in Canada helps them understand the unique borrowing needs of Canadians.

Is Fairstone Safe?

Fairstone provides responsible borrowing solutions at over 225 branches coast to coast. Fairstone also partners with businesses across Canada to offer consumer financing. They have over one million customers and are one of the leading alternative Canadian lender of personal loans.

What Products and Services Does Fairstone Offer?

Fairstone offers installment loans, debt consolidation, home equity loans and secured loans that are asset based. They also partner with leading retailers and auto dealerships across the country to offer customers financing options.

How Much Can I Borrow from Fairstone?

Fairstone loans range from $500 and $35,000. Unsecured personal loans are from $500 and $20,000. Secured personal loans from $5,000 and $35,000.

What Is the Interest Rate on a Fairstone Loan?

You can expect to pay anywhere from 19.99% to 39.99% interest on a Fairstone loan. Unsecured loans start at 26.99% the interest rate for a secured loan starts at 19.99%.

What Is the Term Length for a Fairstone Loan?

Terms on Fairstone loans are between 6 and 120 months.

How to Qualify for a Fairstone Loan?

You are eligible for a loan through Fairstone if you are at least 18 years old, can prove an income of minimum $1,200 and are a Canadian resident. All these requirements apply, plus you are required to own a home if you seek their home equity loan.

Can I Apply Online for a Fairstone Loan?

Yes, you can apply anytime online using their online application form that's available for you to fill out 24/7.

How Fast Can I Get a Loan from Fairstone?

If approved, you can accept your loan via direct deposit within 48 hours.

How Will Fairstone Send Me the Loan?

The most common way to distribute loan funds is through direct deposit into your bank.

How Does Loan Repayment Work at Fairstone?

Similar to how you receive loan proceeds through direct deposit, you can also set up automatic pre-authorized payments bi-weekly, semi-monthly or monthly.

Which Provinces Is Fairstone Available in?

Fairstone operates in all of Canada except for Nunavut.

What Kind of Customer Support Does Fairstone Offer?

You can get a hold of Fairstone customer support through various means, including their email, call centre and web chat.

What are Fairstone Working Hours?

You can apply for a loan online anytime using Fairstone's online application. However, if you'd like to speak to someone, their call centre operates weekdays from Monday to Friday between 8am - 8pm (EST). Additionally, they have an email, live chat system on their website and can be contacted through their Facebook chat.

Fairstone Reviews

Avg. Rating: 4.9 (15 reviews)

A personal loan is convenient — it just works for me. Whenever I come in to the branch or I’m on the phone, it’s always a positive experience. Good people, good surroundings, positive atmosphere. I would recommend this place to anybody.

John F
Very Good

Great to know they help when the Banks turn their backs on you!

Excellent Customer Service

Customer service is absolutely top notch.

Highly Recommended

Great place! Was easy and fast to get funding too with a "fair" credit rating. Jasmin was the agent that assisted me, she was very friendly and explained everything thoroughly. Her manager was also extremely friendly. It is a very welcoming environment. I would definitely recommend them to family and friends!

Thank you Fairstone

Ran into a bit of financial trouble and with fairstone we are on our way to a better credit score, and have since cleared up some major debt that was weighing us down. I found the experience i had with fairstone to be plesant and not painful at all. As long as you have your ducks in a row before proceeding to apply there should be no problem. Yes the interest is high but as your credit improves you can always re finance, and if your on a financial pinch these are the people that will help see you through. Again thanks fairstone.

Great Experience

Great experience with these folks. They are very professional, and know the educated way to solve any financial issues you may have. Not to mention very friendly and unjudgemental. I would recommend them to anyone. Thanks

Very Happy

Awesome, they helped me consolidate all my debts and they are friendly and easy to talk to I would definitely recommend them to all my friends and anyone who needs help with debt

Friendly staff

Hello, this was my first time trying Fairstone. I was very happy with my experience, I don't do much of my financial stuff online but needed some quick cash and decided to try them. I have good credit so I was able to get approved and funded quickly.

Samantha B.
Fast approval

I got approved and funded within 48 hours which was great. The interest rate is a bit high but I was fine to pay a premium for the quick turn around. Would recommend to those that can handle paying more interest for quick money.


Prince and Justine from the Longfellow Branch are totally awesome


Called and talk to Sandra Murphy in the saint john branch and she was so helpful she answered all my questions and had things underway in no time. Sandra made browwing this loan easy for your needs. Times and her friendly ways made us feel comfortable. Thank you Sandra !!!

Dianna Cole
Excellent Service

I met with Terrina O'Donnell at the Fairstone location in west side Saint John New Brunswick. She was very pleasant to talk to. She made it feel like a friend helping a friend rather than it being "just business".

Nicole Seamone
Excellent service

I deal with saint john nb branch sandy is who we deal with she is wonderful during this pandemic helped us alot thank you

Keith myshrall
Excellent service

I deal with saint john nb branch sandy is who we deal with she is wonderful during this pandemic helped us alot thank you

Keith myshrall
Great experience

I have borrowed from fairstone twice now, both time they have been great worked with me to make my payments unaffordable. Very friendly and great for explaining every detail. I would not hesitate to use them again..

Joanne Lerno

Compare Fairstone with another Company:

Write a Review