Borrow better
with Fig
Award-winning personal loans at competitive rates with no fees – all from the comfort of your home.
Borrow up to $35,000
Rates as low as 8.99%
Funding as early as 1 business day
No fees
Consolidate your debt into one loan balance with easy-to-manage payments.
Transfer higher interest credit cards and debt, to a fixed, lower interest rate personal loan.
Better financial flexibility could mean more money in your pocket for the things that really matter in life.
Find out how much you can borrow and your rate offer—without impacting your credit score.
Only a few verification steps remain. No branch visit, no lengthy paperwork.
Pay off your loan on your terms with flexible payments and no early repayment fees.
A loan experience you’ll actually enjoy
With Fig, check your offer and complete your application in under 10 minutes, all from your desk, your phone, or while binging your favourite show.
With straightforward questions and a high level of data security, we make complex financial decisions simple.
Protect yourself with bank level security
As a subsidiary of Fairstone Bank, we hold ourselves to an extremely high standard when it comes to data security, privacy, and protecting your personal information. Your information belongs to you—period.
Support when, where, and how you need it.
When you need help, Fig is there, with a compassionate, Canadian-based team of support reps. Chat live Monday through Friday (9am - 5pm ET), visit our comprehensive help center, or submit a request anytime.
Whether you have questions about your rate, repayment terms, or deposit date, our team of financially-focused humans is just a question away.
Full financial flexibility—really
It’s called a personal loan for a reason. You choose the amount to borrow, time frame, and the repayment schedule that works best for you. Need to skip a payment? Want to pay back your loan early, penalty-free? Just log in to your Fig account—no phone calls or branch visits required.
You bet.
We’re a small team of very real people who are trying to make the lending industry more human. To keep things lean, we skipped the brick-and-mortar location with the 9-5 hours in favour of a collaboration with Koru, a groundbreaking venture studio owned by the Ontario Teachers’ Pension Plan, one of the world’s largest investors.
Plus, since we’re backed by Fairstone Bank, we’re able to take advantage of industry-leading lending expertise, all while still offering a flexible approach to financial well-being.
Your ‘guaranteed offer’ is your approved loan amount and fixed interest rate; you’ll see this once you complete the pre-qualification form.
Your loan amount and interest rate stay the same as you complete your application—no bait-and-switch here.
Our interest rates start at 8.99%*, and we keep them as competitive as possible. You can check your interest rate offer in just seconds—without impacting your credit score—for free.
Paying off your loan early should be a reason to celebrate, not to charge you money.
Our answer is no—no fees, no penalties, and no problem paying back part (or even all) of your loan at any time.
Yes and no.
Step 1: You can check your interest rate and loan approval amount (free!) without any impact on your credit score.
Step 2: Next, we use a soft credit check (which doesn’t impact your credit score) to gauge your eligibility and get you the best offer we can.
Step 3: To complete your loan application, we get your consent to do a hard credit check (and only if you’re okay with it).