Get an installment loan in Chatham, Ontario
Fairstone
Rating: 4.2(16)453 St Clair St, Chatham, ON N7L 3K6, Chatham, Ontario, N7L 3K6
What you can do at Fairstone
Personal loans here
Fairstone offers personal loans — for consolidation, emergencies or a major purchase.
Home equity lending here
Fairstone offers home equity lines of credit and equity loans against your home.
Mortgages here
Fairstone arranges mortgages — purchases, renewals, refinances and private options.
Other services
- Unsecured personal loans
- Secured personal loans
- Emergency loans
- Car and auto loans
- Second mortgages
- RV and boat loans
- Credit building loans
What to expect on cost
Typical APR ranges for the kinds of lending this business does.
- Mortgage
- typically 6–13% APR
Why this range
Fast approval
Built for speed — fast approvals, minimal paperwork, and funding that can land the same day (often by e-Transfer). The higher rate is the price of that speed and of lending to more credit profiles; it covers the lender's default risk. For someone who needs money now or has been turned down elsewhere, that trade-off is the whole point.
Balanced
A middle ground — reasonable approval times with rates well below fast-cash lenders. Credit unions and dealer financing sit here: they weigh your full profile, so approval isn't instant, but the cost is fairer. Expect a solid rate in exchange for a bit more documentation.
These are general expectations based on typical industry practices and provincial norms — not an offer or an evaluation of this specific business. Actual rates depend on your credit, income, the amount and term, the product, and the day. Always confirm directly and read the agreement.
What we checked
We categorize each listing against a fixed rubric. Here's what qualified this business, with the evidence behind each match.
- Very strong match · 95%
Personal loans
Loan typeA bank, credit union, or alternative lender offering unsecured (or secured) personal loans for consolidation, emergencies, or a major purchase, repaid over time.
Browse personal loans nearby - Very strong match · 95%
Installment / alt lender
Lender typeAn alternative consumer lender offering personal or installment loans with fixed payments over time, typically to near- or subprime borrowers.
Browse installment / alt lender nearby - Very strong match · 95%
Finance company
Lender typeA consumer or sales finance company offering installment loans, retail financing, or point-of-sale credit outside the banking system.
Browse finance company nearby - Browse personal loans · unsecured personal nearbyVery strong match · 95%
Personal loans · Unsecured personal
Offers unsecured personalSpecialty - Browse personal loans · secured personal nearbyVery strong match · 95%
Personal loans · Secured personal
Offers secured personalSpecialty - Browse personal loans · debt consolidation nearbyVery strong match · 95%
Personal loans · Debt consolidation
Offers debt consolidationSpecialty - Very strong match · 90%
Installment loans
Loan typeAn alternative consumer lender offering installment loans repaid in fixed payments over months, typically to near- or subprime borrowers.
Browse installment loans nearby - Very strong match · 90%
HELOC & home equity
Loan typeA lender or broker offering borrowing against home equity — a home equity line of credit (HELOC), an equity loan, or a second mortgage.
Browse heloc & home equity nearby - Browse heloc & home equity · second mortgage nearbyVery strong match · 90%
HELOC & home equity · Second mortgage
Offers second mortgageSpecialty - Browse mortgages · auto refinancing nearbyVery strong match · 90%
Mortgages · Auto refinancing
Offers auto refinancingSpecialty - Very strong match · 85%
Car loans
Loan typeA dealership, bank, or specialist auto lender that finances the purchase of a car or truck — new, used, refinancing, or subprime/credit-rebuilding.
Browse car loans nearby - Very strong match · 85%
Mortgages
Loan typeA mortgage broker or lender arranging home financing — purchases, renewals, refinances, HELOCs, private/B-lender, or reverse mortgages.
Browse mortgages nearby - Browse heloc & home equity · home equity loan nearbyVery strong match · 85%
HELOC & home equity · Home equity loan
Offers home equity loanSpecialty - Browse installment loans · flexible / open nearbyStrong match · 80%
Installment loans · Flexible / open
Offers flexible / openSpecialty - Strong match · 70%
Boat & marine loans
Loan typeA dealership or lender that finances boats and personal watercraft — new or used marine purchases.
Browse boat & marine loans nearby - Strong match · 70%
RV & trailer loans
Loan typeA dealership or lender that finances recreational vehicles — motorhomes, travel trailers, fifth-wheels, and campers.
Browse rv & trailer loans nearby - Browse boat & marine loans · boat nearbyStrong match · 70%
Boat & marine loans · Boat
Offers boatSpecialty
Frequently asked questions
Does Fairstone buy gold?
Yes. Fairstone in Chatham operates as installment / alt lender and finance company, so you can sell your gold there. Call ahead to confirm the day's payout before visiting.
What gold specialties does Fairstone handle?
Fairstone works with unsecured personal, secured personal, debt consolidation, flexible / open, home equity loan, second mortgage, auto refinancing and boat. That's what sets it apart from other gold shops in Chatham.
What gold amountBands does Fairstone accept?
Valuations cover $25,000+, $5,000–$25,000, Under $1,000 and $1,000–$5,000. A higher karat is a larger share of pure gold, which raises the per-gram payout.
Is Fairstone reputable?
Fairstone holds a 4.2-out-of-5 rating from 16 Google reviews, a useful gauge before you sell.
Is Fairstone wheelchair accessible?
Yes — this location is listed as wheelchair accessible.
How do I contact Fairstone?
Fairstone is located at 453 St Clair St, Chatham, ON N7L 3K6 and reachable at (519) 351-1909.
What are the alternatives to Fairstone for unsecured personal near Chatham?
The nearest comparable options that also handle unsecured personal are Cash 4 You (0.2 km), BMO Bank of Montreal (2.2 km) and BMO Bank of Montreal (3.2 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Fairstone for secured personal near Chatham?
The nearest comparable options that also handle secured personal are BMO Bank of Montreal (2.2 km), BMO Bank of Montreal (3.2 km) and BMO Bank of Montreal (19.1 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Fairstone for debt consolidation near Chatham?
The nearest comparable options that also handle debt consolidation are Cash 4 You (0.2 km), BMO Bank of Montreal (2.2 km) and BMO Bank of Montreal (3.2 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Fairstone for flexible / open near Chatham?
The nearest comparable options that also handle flexible / open are Magical Credit Loan Agency (266.7 km), 24Cash.ca (266.8 km) and EasternLoans (267.0 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Fairstone for home equity loan near Chatham?
The nearest comparable options that also handle home equity loan are BMO Bank of Montreal (2.2 km), BMO Bank of Montreal (3.2 km) and BMO Bank of Montreal (19.1 km). Comparing two or three quotes close by is the best way to land a fair price.
What are the alternatives to Fairstone for second mortgage near Chatham?
The nearest comparable options that also handle second mortgage are Mortgage Agent (93.3 km), The Mortgage Firm (99.1 km) and Empire Mortgage Group (210.4 km). Comparing two or three quotes close by is the best way to land a fair price.
Standard hours
Hours not available- Monday
- 8 a.m. – 5 p.m.
- Tuesday
- 8 a.m. – 5 p.m.
- Wednesday
- 8 a.m. – 5 p.m.
- Thursday
- 9 a.m. – 7 p.m.
- Friday
- 9 a.m. – 5 p.m.
- Saturday
- Closed
- Sunday
- Closed
Standard weekly hours, shown in the branch's local time. Holiday and special hours aren't reflected — call ahead to confirm.