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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Fairstone's account


How to register an account

A personal Fairstone account allows to keep track of all your payments.

To get started, go to the account registration page on the official website and follow the instructions on the screen. First, you'll need your branch number and loan account number, which can be found on your loan papers; phone number, and postal code.

The next step is to provide your email address create a username and password. Then, the system will send you a verification code before allowing access to your account, which helps guarantee the confidentiality of personal data.

Here are some of the most common problems that people encounter when they attempt to create an account, as well as solutions for each:

  • You must provide your correct phone number and postal code, as these are on file with your branch. Please double-check the details in your loan papers to ensure they are correct. You'll need to contact your branch if your information has changed.

  • Only primary borrowers may register for online account management; this is done for security purposes. You will not have access to manage the account online if you are a co-signer or a secondary borrower.

  • If it's not possible to manage the loan online, there may be other times when you won't be able to. Please get in touch with your branch if you have any difficulties.

How to reset a password

If you've forgotten your password, you'll need to give your username and claim that your password has been forgotten to reset your password. Fairstone will send an email with a verification code to the address listed on the account. To reset your password, use the verification code to access online account management, then create a new password. You can then log in using your new password after everything is finished.

Support service

  • Live online chat. You can contact a Fairstone representative online. Working hours: 8a.m. - 5p.m. EST, Monday-Friday.

  • Facebook chat. You can send Fairstone a message on Facebook. Please do not comment on any personally identifiable information on public posts to protect your privacy. Working hours: 8a.m. - 5p.m. EST, Monday-Friday.

  • Phone. Talk to your local Lending Specialist by dialing 800-995-2274. Working hours: 8a.m. - 5p.m. EST, Monday-Friday.

  • Branch locator. You may use Fairstone branch locator to find your local branch's address, hours, contact information, and directions.

Calculate loan payments in Fairstone

Fairstone calculator will allow you to calculate an approximate payment schedule for the loan

Fairstone calculator
Interest rates are given in accordance with the rates of the bank in Ottawa as of 25.09.2022
Loan amount

Enter the desired loan amount

500 $
50000 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Fairstone

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Fairstone from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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