Personal loans that fit your life

What is a personal loan?

A personal loan is an installment loan, a loan that can be repaid over a set period of time, or term, through regular, affordable payments. A personal loan can help with unexpected expenses like a gap in your budget, or planned expenses like a home renovation or vacation.

Fairstone offers small, medium and secured personal loans up to $30,000. Our lending specialists will work with you to find a personal loan that suits your needs, based on your lifestyle and budget.

Are you wondering what the difference is between our loan products? Read our blog post about secured vs. unsecured loans, or contact your local branch to find out which one is right for you.

Small personal loan up to $5K

Cover the cost of urgent or unexpected expenses with a small personal loan.

Loan amount
$500–$5,000
Rates from
27.99%*
Term
6–60 months
Secured
No
Payments
Fixed
Fees
None
Prepayment penalties
None
Time to process
< 1 day
Guarantee
14 days
 

Medium personal loan up to $20K

A mid-size personal loan gives you the flexibility to pay for larger expenses.

Loan amount
$5,000-$20,000
Rates from
27.99%*
Term
6–60 months
Secured
No
Payments
Fixed
Fees
None
Prepayment penalties
None
Time to process
< 1 day
Guarantee
14 days
 

Secured personal loans up to $30K

Apply for a secured loan and borrow more money at a lower rate.

Loan amount
$5,000-$30,000
Rates from
19.99%*
Term
36-120 months
Secured
Yes
Payments
Fixed
Time to process
2+ days
Fees
Vary by province
Prepayment penalties
Vary by province
 
 
 

How much money do you qualify for?

GET AN INSTANT LOAN QUOTE

Fairstone-Emergency-Loans-Icon

Emergency loans

Apply for a same day loan when you need money now. An emergency loan can help you cover auto repairs, medical bills and other emergency expenses. 

Fairstone-Debt-Relief-Icon

Wedding loans

A wedding loan can help you to pay for deposits and wedding expenses upfront. Feel financially prepared for your special day with a wedding loan. 

Fairstone-Home-Improvement-Loans-Icon

Home improvement loans

Home renovations can be made simple with a home improvement loan. Borrow money to help you get started as you increase the value of your home. 

Fairstone-Money-Icon

Vacation & travel loans

Budgeting for your vacation can be easier than you think. A travel loan can help make your vacation goals a reality. 

Quick and easy personal loans for when you need money now

Do you find yourself thinking “I need money now”, but aren’t sure where to turn? If you need money and the bank isn’t an option, Fairstone’s quick and easy same day loans may be right for you. Borrow up to $30,000 and get the money you need from a responsible Canadian lender.

With Fairstone, you’ll get a simple application process and quick access to money - you could qualify for a personal loan in less than one day. Every day, across the country, we help Canadians cover the cost of unexpected expenses and credit card debt. From emergency loans and car repair loans to wedding loans, vacation loans and loans for life events, we’re here when you need us.

How much money can I borrow?

Own your home? Borrow more at a lower rate.

You've worked hard for your home, now put it to work for you. Secure your loan with the equity in your home and borrow up to $30,000 with affordable payments and rates as low as 19.99%.* 

SECURED PERSONAL LOANS

Why Canadians choose Fairstone personal loans

  1. You can get an online loan quote in under a minute and have your money the same day that you apply.
  2. You’ll get one-on-one service from a knowledgeable Lending Specialist who will help you find a loan that’s right for you.
  3. Choose from our flexible payment options and benefit from fixed rates and affordable monthly payments.
  4. You can change your mind and cancel an unsecured personal loan within 14 days. No charges and no questions asked.

Protect yourself from the unexpected

These valuable benefits can give you peace of mind should the unforeseen occur.

Job Loss Insurance 

Have your loan payments
covered if you're involuntarily
unemployed.

Disability Insurance

If you experience disability and can't work, your loan payments could be taken care of.*

Life Insurance

Protect your family or estate in the future and have your loan paid off in the event of your death.*

Home and Auto Security Plan

Offering home and family benefits, roadside assistance, legal services and more. LEARN MORE

*Interest rates may vary by province.

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

*Coverage varies and is subject to the terms and conditions of the insurance policy and applicable law.

Insurance solutions provided by American Health and Life Insurance Company or Triton Insurance Company. Home & Auto Security plans are administered by Home and Auto Security Plan, Inc.

TALK TO YOUR LENDING SPECIALIST TO LEARN MORE

You might also be interested in

/ Lifestyle

How to get fit on a budget

So many of us promise ourselves every January that this will finally be the year we get into better shape. But between trainers, memberships, supplements and more, getting fit can get very expensive very quickly.

How to clean up your finances for 2018

The new year is a time of new beginnings, fresh starts, and, of course, New Year’s resolutions.