Get a loan that suits you

with Fairstone, formerly CitiFinancial®


Open or renew a loan between May 17 – June 30 and you could win up to $10,000 with our BEST. LOAN. EVER. contest!*

99% customer satisfaction rate**
4.9million loans approved***
$26.4billion in loans to Canadians**

Fairstone has been working with Canadians since 1923

We’re thrilled to announce CitiFinancial is now Fairstone! 

Find out how we’re evolving to offer our customers the best possible loan experience.

Read our press release about the transition.

Personal loans

Borrow up to $30,000 with affordable payments and rates from 19.99%

Personal loans

Debt relief

Tackle debt head on with a customized debt relief solution

Debt relief

Mortgage refinancing

Borrow up to $400,000 with affordable payments and rates from 11.85%


Retail financing

We partner with many retailers to finance your purchase

Retail Financing

Loan solutions for whatever life brings

Whether it’s an unexpected repair, an important upcoming event or mounting credit card debt, a Fairstone personal loan or mortgage solution can provide you with the money — and the peace of mind — you need to get back on track and focus on what matters most.

How much do you want to borrow?

Drag the slider to set your loan amount

/ Lifestyle

How to have fun in the sun on a budget

It’s no surprise that as Canadians we make the most of our summer months, but often that comes with a cost. Whether it’s spending time on patios and at local beaches, signing up for sports and other outdoor activities, or booking a family vacation, on average Canadians spend $1,700 on summer events.1

Fairstone was formerly known as CitiFinancial Canada, Inc. CitiFinancial Canada, Inc. and its subsidiaries have been acquired and are no longer affiliates of Citigroup Inc. The trademarks “Citi”, “Citibank”, “Citigroup”, “Citicorp”, “CitiFinancial”, “EquityPlus”, “Arc Design”, the Blue Wave trade dress and all similar trademarks and derivations thereof, are owned by Citigroup Inc. and any use is under license.

* Terms and conditions apply. No purchase required. Contest is open to legal residents of Canada who are the age of majority and who are the primary account holder of a new or existing personal loan. Limit one (1) entry per loan. Five (5) prizes to be awarded across Canada. Each prize is equal to the winner’s Payout Amount as of August 1, 2016 to a maximum of $10,000. Contest closes June 30, 2017. Prize draw is July 15, 2017 and prizes will be fulfilled by August 15, 2017. Odds of winning depend upon the number of eligible entries received. Correct answer to mathematical skill-testing question required. To enter or see full contest rules, please visit your local Fairstone branch or No payments until July 2017 applies only to loans booked on or after May 17, 2017 (excluding Quebec). Interest begins to accrue from date loan booked at the contractual interest rate and is not waived.

**Average based on 2016 customer satisfaction survey.  ***Fairstone, formerly CitiFinancial, data 2005–2015.

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."

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John F, Winnipeg, MB

I wanted to consolidate my credit card — it wasn’t going anywhere, even when I made my payments on time. My consolidation loan is going great. This way it’s automatic and your debt goes down faster. With a credit card it’s easy to only make the minimum payment."

CitiFinancial customer
Karen J, Winnipeg, MB

Real people. Right loan.

Our branches are staffed with knowledgeable Lending Specialists who will work with you to determine a loan amount, term and payment schedule that best suits your lifestyle and your budget.

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Branch Manager
Listowel, Ontario