How to get a quick loan
with Fairstone

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.


Here's how it works

  1. Get a quick loan quote

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

  2. Receive an instant response

    Once you receive your no-obligation loan estimate, you’ll 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

    Visit your branch and you could have your money the same day as you complete your loan application.


Understanding interest rates

We assess a number of factors when you apply for a loan. Understanding how interest rates are determined can help you see how Fairstone will build a personalized loan solution with affordable payments and an interest rate that suits you.


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.


Personal identification 

Such as 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 interest rate, so you’ll want to bring one or more pieces.

Rental or mortgage agreement

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

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. 


Up next: Dig into the blog

The Fairstone blog is packed with articles, videos and infographics on helpful financial topics.

* 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 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.

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