Cash Money vs Fairstone Financial
A detailed side-by-side comparison of two popular Canadian lenders. See how they stack up on rates, loan amounts, eligibility, and overall experience.
Side-by-Side Comparison
| Feature | Cash Money | Fairstone Financial |
|---|---|---|
| Loan Amounts | $500 – $10,000 | $500 – $60,000 |
| Interest Rates | Up to 34.99% APR | 19.99% – 34.99% APR |
| Loan Terms | Up to 60 months | 6 – 120 months |
| Credit Required | All credit types considered | Fair to good credit preferred |
| Funding Speed | Same day | 1 – 3 business days |
| Headquarters | Toronto, Ontario | Montreal, Quebec |
| Founded | 1992 | 1923 |
| Best For | Borrowers who prefer in-person service or need same-day access to cash | Homeowners who want larger secured loans with longer terms |
Loan Amounts
Cash Money
$500 – $10,000
Fairstone Financial
$500 – $60,000
Interest Rates
Cash Money
Up to 34.99% APR
Fairstone Financial
19.99% – 34.99% APR
Loan Terms
Cash Money
Up to 60 months
Fairstone Financial
6 – 120 months
Credit Required
Cash Money
All credit types considered
Fairstone Financial
Fair to good credit preferred
Funding Speed
Cash Money
Same day
Fairstone Financial
1 – 3 business days
Headquarters
Cash Money
Toronto, Ontario
Fairstone Financial
Montreal, Quebec
Founded
Cash Money
1992
Fairstone Financial
1923
Best For
Cash Money
Borrowers who prefer in-person service or need same-day access to cash
Fairstone Financial
Homeowners who want larger secured loans with longer terms
Pros & Cons
Cash Money
Pros
- Over 30 years of established lending history in Canada
- Multiple product types: payday, installment, and line of credit
- Same-day funding available
- Both online and in-person application options
Cons
- Interest rates can reach 34.99% APR for installment loans
- Payday loan products are high-cost short-term borrowing
- Not all products available in every province
Fairstone Financial
Pros
- Over 100 years of lending experience in Canada
- Both unsecured and secured loan options
- Large loan amounts up to $60,000 for homeowners
- 200+ physical branch locations across Canada
Cons
- Minimum interest rate of 19.99% is higher than bank alternatives
- Secured loans require home equity as collateral
- Branch visit may be required to finalize some loans
Which Lender Should You Choose?
Choose Cash Money if you're looking for a lender that specializes in borrowers who prefer in-person service or need same-day access to cash. They offer loan amounts of $500 – $10,000 with funding as fast as same day.
Choose Fairstone Financial if you're better described as homeowners who want larger secured loans with longer terms. They offer $500 – $60,000 with fair to good credit preferred credit requirements.
Still unsure? Apply through 365 Loans to compare offers from both lenders and more — with no impact on your credit score.
Frequently Asked Questions
Is Cash Money or Fairstone Financial better?
It depends on your needs. Cash Money is rated 3.6/5 and is best for borrowers who prefer in-person service or need same-day access to cash. Fairstone Financial is rated 4.0/5 and is best for homeowners who want larger secured loans with longer terms.
Which has lower interest rates?
Cash Money charges Up to 34.99% APR, while Fairstone Financial charges 19.99% – 34.99% APR. Your actual rate depends on your credit profile.
Which lender funds faster?
Cash Money: Same day. Fairstone Financial: 1 – 3 business days.
Other Lender Comparisons
Compare Both Lenders & More
Apply once through 365 Loans and receive offers from multiple Canadian lenders — no obligation, no impact on your credit score.
Compare Loan OffersEditorial Note: Our content is reviewed by financial experts for accuracy. We may receive compensation from partner lenders, which does not influence our rankings or recommendations. Read our full disclosures