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Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
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From application to repayment, see what to expect at every step.
Complete a short online application with some basic information about yourself, your income and the amount you’re looking to borrow.
Your application may be reviewed by participating lenders based on their individual eligibility requirements. Approval is not guaranteed.
If you accept an approved loan offer, funds may be sent directly to your bank account, including by Interac e-Transfer where available.
Review the repayment date, total borrowing cost and other terms before accepting an offer. Repayments are made according to the agreement provided by your lender.
Simple Eligibility
Our eligibility criteria are designed to be straightforward and accessible. Perfect credit isn’t required, and participating lenders consider current income and overall financial situation when reviewing your application.
Cost transparency
Payday loans are a form of high-cost short-term credit, so understanding the full repayment amount before you accept an offer is important.
The maximum cost of borrowing depends on your province. For example, where the permitted cost is $14 for every $100 borrowed, a $500 payday loan could cost up to $70 in borrowing charges, bringing the total repayment amount to $570.
| Amount Borrowed | Example Cost | Total Repayment |
|---|---|---|
| $100 | $14 | $114 |
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $750 | $105 | $855 |
| $1,000 | $140 | $1,140 |
At Fair Cash Loans, we help Canadians explore no refusal payday loan options through participating lenders with different eligibility requirements. Having bad credit or being declined elsewhere does not automatically mean you have no options.
Our online process is designed to be simple and convenient, with less paperwork than many traditional loan applications. Some participating lenders may focus more on your current income, banking activity and ability to repay rather than relying only on a traditional credit score.
If approved, funds may be sent by Interac e-Transfer, including same-day funding in some cases depending on the lender, verification requirements and your financial institution.
Whether you're dealing with an unexpected car repair, an urgent household expense or another short-term financial need, Fair Cash Loans can help you explore available borrowing options.
"No refusal" does not mean guaranteed approval. Final approval, loan amounts, rates and funding times are determined by the participating lender.
Complete your application online in just a few minutes from your phone, tablet or computer. Participating lenders can review your information quickly, with decisions often available the same day.
Know what you're agreeing to before you borrow. If you receive an offer, you can review the loan amount, borrowing cost, repayment date and other important terms before deciding whether to accept.
Your privacy matters. Fair Cash Loans uses secure technology to help protect the personal and financial information you submit during the application process.
Before accepting a loan, you'll be shown when repayment is due and how much you'll need to repay. Terms vary by lender, so always review your agreement carefully and make sure the repayment fits your budget.
Our Services
Need money for an unexpected expense? Whether you’re looking for an online payday loan, prefer Interac e-Transfer, have less-than-perfect credit, or have been declined elsewhere, FairCash can help you explore options from participating Canadian lenders.
Apply online without visiting a storefront. The process can be completed from your phone, tablet or computer, making it easier to explore short-term loan options wherever you are in Canada.
Need the convenience of electronic funding? Submit your application online at any time. If approved, participating lenders send funds by Interac e-Transfer, depending on their processing times and verification requirements.
Perfect credit may not be required. Some participating lenders place greater emphasis on your current income, banking activity and ability to repay rather than relying only on a traditional credit score.
Receiving Ontario Disability Support Program (ODSP) benefits does not automatically prevent you from applying for a loan. Some participating lenders may consider regular ODSP payments as part of your income when reviewing your application.
Experience · Expertise · Authoritativeness · Trustworthiness
Fair Cash Loans helps Canadians explore short-term borrowing options through participating lenders.
Our experience in the Canadian lending market shapes how we present loan information clearly, without hiding borrowing costs, repayment obligations or eligibility requirements.
We believe understanding a loan should come before applying for one. Our guides explain:
Fair Cash Loans is a loan referral and information service, not a direct lender.
Participating lenders are expected to comply with the licensing and consumer-protection requirements of the province or territory in which they operate.
Information submitted through Fair Cash Loans is transmitted using secure technology and handled according to our Privacy Policy.
We explain how your information may be used or shared before you submit an application.
Fair Cash Loans does not guarantee approval, loan amounts, rates or funding times. Final lending decisions and loan terms are determined by the participating lender.
FAQs
24/7 payday loans allow you to submit an online application at any time, including evenings, weekends and holidays. This does not mean approval or funding happens 24/7. Review and funding times depend on the participating lender, verification requirements and your financial institution.
Some lenders may place more emphasis on your current income, banking activity and ability to repay rather than relying only on a traditional credit score. Verification methods vary by lender, so a credit check and other assessment still be required.
A no refusal payday loan does not mean guaranteed approval. The term is generally used for loan options where applicants with bad credit or previous declines may still be considered. Each participating lender applies its own eligibility and affordability requirements.
If your loan is approved and you accept the agreement, funds may be sent through Interac e-Transfer where available. Some lenders may provide same-day funding, but timing depends on the lender, verification process, time of application and your bank or credit union.
Faxless payday loans are designed to reduce traditional paperwork because much of the application and verification process can be completed online. However, a lender may still request supporting information or documents when needed.
Yes, having bad credit does not automatically prevent you from applying. Participating lenders may consider factors such as your income, recent banking activity and ability to repay alongside, or instead of, traditional credit information.
Some participating lenders may consider regular ODSP payments as part of your income when reviewing an application. Receiving ODSP does not guarantee approval, and eligibility requirements vary by lender.
Service Area
Our online service helps Canadians explore payday loan options without visiting a physical branch. Availability, loan amounts, fees, eligibility requirements, and lender terms can vary depending on your province.
Join Canadians who use Fair Cash Loans to explore short-term borrowing options from participating lenders. The online application takes just a few minutes, and bad credit may still be considered.
If approved, funds may be available by Interac e-Transfer depending on the lender, verification requirements and your financial institution.
