-
Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
How it works
Evaluating alternative consumer credit choices across Canada is completely digital, secure, and hassle‑free.
Why FairCash
We've engineered our digital marketplace around consumer transparency, financial safety, and speed.
Our automated comparison tools accept digital profile entries day and night from any Canadian province.
Initial panel matching utilizes a soft‑search background evaluation that does not affect your credit score.
Our third‑party lending partners evaluate applications from individuals with poor, limited, or bad credit histories.
The FairCash search system is completely free to use, featuring no hidden matching charges or obligations to sign.
Where we operate
Wherever you're located, FairCash's lending panel can match you with partners licensed to operate in your province.
Who is eligible
To apply through FairCash.ca, you need to meet a few basic requirements. Even if you have bad credit or no credit history, you may still be eligible to apply.
Cost transparency
Short‑term consumer credit lines are high‑cost loans designed strictly for short‑term shortfalls — never as a solution for permanent budget adjustments. Under federal consumer protection codes, payday loan fees are capped at $14 to $15 per $100 borrowed across most major Canadian jurisdictions.
Let's walk through a clear example: if you secure a $500 cash advance for a 14‑day term in a province capped at $14 per $100, your total cost of borrowing is exactly $70.00 — for a payback balance of $570.00 due on your next pay date. While a $70 fee is manageable for a one‑time emergency, it equates to an annual percentage rate (APR) exceeding 300%. Always make sure your account has enough cushion on payday to avoid bank NSF penalties or lender default charges.
Speed
The 15‑minute deposit, step by step — from digital submission to funds in your inbox.
| Processing lifecycle phase | Automated action undertaken | Expected time expenditure |
|---|---|---|
| 1. Digital submission | Complete mobile‑friendly application window | 3 to 5 minutes |
| 2. System connection scan | Soft search profile assessment against lender panel | Real‑time (instant) |
| 3. Underwriting review | Instant digital banking income validation | 5 to 10 minutes |
| 4. Interac funding transfer | Electronic money transfer sent to your email inbox | Under 15 minutes |
Income flexibility
If you're dealing with a less‑than‑perfect credit bureau profile, you may assume you can't qualify for quick online cash advances. But the third‑party network linked with FairCash looks past historical credit scores — by deploying initial soft credit checks that leave your public credit report untouched, lenders focus on your current income consistency instead.
Alternative lenders also recognize that valid revenue streams extend beyond a standard full‑time T4 job. If your monthly income is steady and verifiable via online banking, many lenders on our platform consider alternative streams, including:
Understanding the term
Many Canadians experiencing severe credit distress search for phrases like "no refusal payday loans" or "guaranteed approval loans." It's important to recognize that responsible consumer‑lending laws across every Canadian province require licensed lenders to assess an applicant's ability to repay before issuing credit — so no legitimate, regulated lender can legally guarantee a fully automated loan without reviewing your data.
What FairCash's third‑party network offers instead is the next‑best alternative: by skipping hard credit‑bureau inquiries that can damage your score, our partner lenders weigh your current income consistency and banking history more heavily than past credit mistakes — a flexible option for subprime applicants looking for fast, alternative cash solutions.
Frequently asked questions
Yes — they provide financial assistance to people who have difficulty securing traditional loans due to poor credit history or other financial challenges. These loans are typically offered by alternative lenders who focus on current income and ability to repay over past credit performance.
Apply with a stable income, choose a smaller loan amount, maintain a good banking history, and apply through lenders that accept bad credit or use instant bank verification (IBV). Avoid submitting multiple applications in a short time.
It depends on your income and financial situation. Typically, 24/7 payday loans in Canada range from $80 to $1,500.
Yes, many online lenders in Canada accept applications 24/7 and may approve borrowers with bad credit. Approval is usually based more on income and banking history than credit score.
At FairCash, we believe in transparency. All fees and charges are clearly outlined in your loan agreement — no hidden fees or surprises.
FairCash is a loan‑connection platform that helps match borrowers with lenders based on eligibility and financial profile. Loan approval and funding are provided by third‑party lenders.
Some lenders perform a soft credit check that doesn't affect your score, while others may use a hard inquiry during approval. Always review a lender's terms before applying.
Yes. FairCash takes your privacy seriously — our online application uses advanced encryption technology to protect your personal and financial information.
Reach us by phone at +1 (905) 318‑6953 or email support@faircash.ca.
Free to use, no obligation, and it takes under three minutes.
