Update or upgrade with a home improvement loan

Home improvement loans from $500 - $35,000

Remodelling your kitchen? Repairing your roof or furnace? Fairstone offers flexible home improvement financing options that suit your needs, budget and project goals. Our unsecured personal loans go up to $20,000 and come with affordable payments, fixed terms and lower interest rates than other non-bank lenders. 

Or, if you’re looking for more money to cover your home renovation costs, use your home equity to borrow up to $35,000 with a secured personal loan.

Financing your home renovations

Home renovations and home repairs can increase the comfort of your house, boosting curb appeal or making your house more energy-efficient. Apply online for a home repair loan to help:
  • Renovate your kitchen
  • Update your bathroom
  • Refresh with paint
  • Repair your roof or furnace
  • Build a new garage 
Whether you’re getting ready to sell or simply want to update your home, we’re here when you need us. 

Furniture loans

Finance your furniture purchases with a loan from Fairstone. We offer furniture loans with affordable payments, so you can fit home improvements into your budget. Use our loans to finance your bedroom, living room, kitchen and outdoor furniture purchases.

A loan can also be used to purchase new appliances and replace broken ones. We understand that broken appliances are inconvenient and you need a solution right away. At Fairstone, we’ll help you get approved for a loan quickly, so you don’t have to wait for a replacement. Whether you need to purchase kitchen appliances like your fridge, stove or dishwasher or household appliances like washing machines or dryers, Fairstone can help.

Fairstone offers:

  • Bedroom and living room furniture loans
  • Patio furniture loans
  • TV loans
  • Fridge loans
  • And more!

Apply today and furnish your home with some help from Fairstone.

Get a home improvement loan as soon as today  GET A LOAN QUOTE

What is the best type of home improvement loan?

If choosing an installment loan, homeowners can leverage the equity in their home to access a secured personal loan. The benefit? You can borrow more money, qualify for a lower interest rate and take advantage of lower payments compared to an unsecured loan. Another option is an unsecured loan. Because there’s less paperwork involved, an unsecured loan is a good home improvement loan option for emergency home repairs like a roof repair, flooded basement and more.

Fairstone Home Improvement Loans Andrew's Story - Photo of Andrew

Andrew’s Story – Home improvement loan

Andrew’s fridge broke down and he needed to find a solution to replace it quickly. Andrew learned that Fairstone’s home improvement loans could help him get the money he needed to replace his fridge. When he applied for a loan, Andrew qualified for more money than the cost of a fridge, so he used this opportunity to replace his stove as well. Andrew is relieved that he was able to replace his old appliances, and can now manage the cost through payments that fit his budget.

This story is based on a typical customer situation.

Make your home improvement plans a reality

Renovating is a smart investment that can increase the value of your home. Learn how to set priorities, plan ahead and create a budget.

Read the article >

Why Canadians choose Fairstone personal loans

  1. You can get a quick, no-obligation loan quote by answering a few simple questions.
  2. You’ll receive one-on-one service from a knowledgeable Lending Specialist either in person or over the phone.
  3. We’ll help you choose an affordable payment option and repayment term that’s right for you.
  4. Choose to complete the loan process in a way that’s convenient for you – at a branch or from the comfort of home

Protect yourself from the unexpected

These valuable benefits can give you peace of mind should the unforeseen occur. Visit our insurance page to get an in-depth explanation about the different creditor insurance products we offer.

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

*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.


Up next: Emergency loans

An emergency loan can help you cover auto repairs, medical bills and other emergency expenses.
Emergency loans