How to get a loan with Fairstone

Getting a loan from Fairstone is quick and easy. We’ll help you understand the application process and give you the peace of mind you need to take control of your financial future.

Easy loans that make your borrowing experience better

With Fairstone, getting a loan can be fast and easy. Our Lending Specialists deliver friendly, personalized service to ensure you understand your loan and leave the branch feeling confident and secure.

HOW TO GET A LOAN

Here's how it works

  1. Get a quick loan quote

    Check out how much money you qualify for and how much your payments could be when you get an instant loan quote from Fairstone.

  2. Receive an instant response

    You’ll get your no-obligation loan estimate in less than a minute and receive a call from a Fairstone Lending Specialist to discuss your personalized offer.

  3. Visit your branch to set up your installment loan

    Bring the required documents and work with your Lending Specialist to finalize your personalized loan solution.

  4. Get your money quickly

    You could get your money the same day as you complete your loan application.

    GET A LOAN QUOTE

Understanding interest rates

We assess a number of factors when you apply for a loan. Understanding how interest rates are determined can provide clarity on how we build a personalized loan solution with affordable payments and an interest rate that suits you.

RATES EXPLAINED

Documents you need to get a loan

After you apply for a loan online and you’re ready to visit your branch, you’ll need to bring a few verification documents. This step is easy — you likely have most of what you need in your wallet. Here’s an overview of what you’ll need to bring.

GET THE DETAILS

Personal identification 

Like a Driver’s Licence or, in some provinces, a health card. You’ll need one piece of primary ID or two pieces of secondary ID.

Income verification

Like a recent pay stub. Proof of income affects your rate, so you’ll want to bring one or more pieces. 

Rental or mortgage agreement

Information about where you live helps us calculate your rate. You’ll need your rental or mortgage agreement. 

In Ontario, Fairstone Financial Inc. is licensed as mortgage brokerage 10821.

The staff are kind and always provide excellent customer service."

Best. Loan. Ever. winner Pascale Duval
Pascale D., Châteauguay, QC

When I needed money, they were there."

Gerald M., Cornwall, ON

Refer a friend and get $100

Earn rewards simply by spreading the word about Fairstone. For each friend or family member you refer who takes out an unsecured personal loan, you’ll earn $100.* Just call or visit your local branch to get your unique referral number and start sharing it with interested friends and family. Talk to your Lending Specialist to learn more. 

CONTACT YOUR BRANCH

Up next: Dig into the blog

The Fairstone blog is packed with articles, videos and infographics on helpful financial health topics.
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* Not available to residents of Quebec. You may qualify to earn a referral reward (“Reward”) if the person you refer (“Referee”) obtains an unsecured personal loan from Fairstone. Referee must provide the referral number to Fairstone prior to loan closing. To be eligible, Referee cannot have an existing Fairstone loan at the time the Referee closes their loan. Reward is a cheque that will be mailed 6-8 weeks after Referee’s loan closing. Reward will not be paid for loans that are paid in full within 30 days of origination, cancelled, or in which you are the primary borrower. Limit five Rewards per customer per calendar year. In order to protect customer privacy, Fairstone cannot provide any information about the status of Referee’s loan application. Fairstone reserves the right to discontinue the program at any time for any reason. You are responsible for payment of any income or other taxes due as a result of the Reward having been paid to you.