Fairstone Review 2026Apply Now Check if I Qualify ↓
Written and analysed by Smarter Loans Editorial Team · Reviewed by Vlad Sherbatov
Each product is priced separately. Compare them below.
Four questions checked against Fairstone's published criteria, per product. No application started.
Fairstone weighs the whole file, not the score by itself, and keeps more than 200 branches open for anyone who would rather sit across a desk.
25 reviews from borrowers who used Fairstone. Reviews are moderated; lenders cannot remove them.
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.
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
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
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 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!
Customer service is absolutely top notch.
Great to know they help when the Banks turn their backs on you!
Interest rate 26.99% up to 39.99 % wooow stupidly high interest
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
Showing 10 of 25 reviews.
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 and secured personal loans to near-prime customers online and in 250 branches coast to coast.
Fairstone provides responsible borrowing solutions at over 250 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.
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.
Fairstone loans range from $500 and $50,000. Unsecured personal loans are from $500 and $20,000. Secured personal loans from $5,000 and $50,000.
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%.
Terms on Fairstone loans are between 6 and 120 months.
