Fairstone Financial vs Cash Money
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 | Fairstone Financial | Cash Money |
|---|---|---|
| Loan Amounts | $500 – $60,000 | $500 – $10,000 |
| Interest Rates | 19.99% – 34.99% APR | Up to 34.99% APR |
| Loan Terms | 6 – 120 months | Up to 60 months |
| Credit Required | Fair to good credit preferred | All credit types considered |
| Funding Speed | 1 – 3 business days | Same day |
| Headquarters | Montreal, Quebec | Toronto, Ontario |
| Founded | 1923 | 1992 |
| Best For | Homeowners who want larger secured loans with longer terms | Borrowers who prefer in-person service or need same-day access to cash |
Loan Amounts
Fairstone Financial
$500 – $60,000
Cash Money
$500 – $10,000
Interest Rates
Fairstone Financial
19.99% – 34.99% APR
Cash Money
Up to 34.99% APR
Loan Terms
Fairstone Financial
6 – 120 months
Cash Money
Up to 60 months
Credit Required
Fairstone Financial
Fair to good credit preferred
Cash Money
All credit types considered
Funding Speed
Fairstone Financial
1 – 3 business days
Cash Money
Same day
Headquarters
Fairstone Financial
Montreal, Quebec
Cash Money
Toronto, Ontario
Founded
Fairstone Financial
1923
Cash Money
1992
Best For
Fairstone Financial
Homeowners who want larger secured loans with longer terms
Cash Money
Borrowers who prefer in-person service or need same-day access to cash
Pros & Cons
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
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
Which Lender Should You Choose?
Choose Fairstone Financial if you're looking for a lender that specializes in homeowners who want larger secured loans with longer terms. They offer loan amounts of $500 – $60,000 with funding as fast as 1 – 3 business days.
Choose Cash Money if you're better described as borrowers who prefer in-person service or need same-day access to cash. They offer $500 – $10,000 with all credit types considered 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 Fairstone Financial or Cash Money better?
It depends on your needs. Fairstone Financial is rated 4.0/5 and is best for homeowners who want larger secured loans with longer terms. Cash Money is rated 3.6/5 and is best for borrowers who prefer in-person service or need same-day access to cash.
Which has lower interest rates?
Fairstone Financial charges 19.99% – 34.99% APR, while Cash Money charges Up to 34.99% APR. Your actual rate depends on your credit profile.
Which lender funds faster?
Fairstone Financial: 1 – 3 business days. Cash Money: Same day.
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