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Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
Company
Fair Cash Loans is a Canadian loan comparison platform based in Hamilton, Ontario. We help Canadians facing short-term financial emergencies find and compare payday loan options from licensed lenders — quickly, transparently, and without pressure.
We do not approve loans, set interest rates, determine fees, or control funding timelines. Our role is to connect borrowers with licensed third-party lenders who comply with applicable provincial consumer protection laws.
When you apply through Fair Cash Loans, you're using a free comparison service. We may earn a referral commission from lenders when you apply through our platform — but this never affects your loan terms, and you are never obligated to accept any offer presented to you.
Our Mission
Our mission is to make short-term lending transparent, accessible, and honest for Canadians across the country.
We believe that anyone facing a financial emergency deserves clear, accurate information about their options — without misleading promises, hidden fees, or high-pressure tactics. Too many Canadians have been misled by payday loan advertising that promises guaranteed approval, instant cash, or no credit check without explaining the real costs and conditions.
Fair Cash Loans was built to be different: a platform where borrowers can compare real lender offers with fully disclosed fees, understand their provincial consumer rights, and make informed decisions at their own pace.
Our Values
We never promise what we can't deliver. Loan approval, fees, and funding timing are determined by lenders — not us. We say so clearly.
We only work with lenders expected to comply with provincial consumer protection laws. We take regulatory compliance seriously across all provinces we serve.
We treat every user with dignity. No pressure, no judgment, no obligation to accept anything.
Your personal data is handled with encrypted connections. We do not sell your information to unauthorized third parties.
We keep regulatory information — fee caps, rules, and borrower rights — accurate and up to date across all city and province pages.
We actively encourage responsible borrowing and provide information about alternatives and consumer rights on every page.
How We Work
Fair Cash Loans operates as a loan comparison and referral platform. Here's how the process works:
You fill out our secure online form with your personal, income, and banking details.
Our platform reviews your application and identifies licensed lenders in our network who may be able to help.
Each lender in our network independently reviews your application based on their own criteria and provincial regulations.
If lenders are willing to proceed, you'll see their offers with fees, repayment dates, and total costs fully disclosed.
You are never obligated to accept any offer. You can decline, compare, or walk away at any point.
If you apply through a lender we connected you with, we may earn a commission. This does not affect your loan terms.
Who We Serve
Fair Cash Loans serves adult Canadians across multiple provinces who are facing short-term financial emergencies. Our platform is designed to be useful for a wide range of people.
Experiencing a gap between paycheques and needing short-term support.
Gig economy workers, contract staff, and self-employed individuals with variable income.
Government benefit recipients including ODSP, OW, EI, CPP, and pension holders.
Newcomers with limited Canadian credit history who may not qualify for traditional bank products.
Anyone who has been declined by traditional banks and needs a short-term bridge.
We serve users in Ontario, British Columbia, Alberta, Nova Scotia, and other regulated provinces.
Compliance
The payday lending industry in Canada has a reputation problem — one that has been earned by operators who use misleading advertising, exploit vulnerable borrowers, and obscure the true cost of credit. Fair Cash Loans is committed to being part of the solution, not the problem.
If you have concerns about a lender's conduct, contact the consumer protection authority in your province.
Contact
+(905) 318-6953
1165 Fennell Avenue East, Hamilton, ON L8T 1S3
Platform available 24/7.
Customer service: Mon–Fri, 9am–5pm ET
Fair Cash Loans is a loan comparison platform, not a direct lender. We connect users with licensed third-party lenders and may earn a referral commission if you apply through our site. Loan approval, amounts, fees, and funding timelines are determined solely by the lender. All loans are subject to credit and affordability assessment. Loan amounts typically range from $300 to $1,500 with repayment terms from 4 to 12 months. APRs range from 23.99% to 59.96%. Example: A $500 loan repaid over 9 months costs approximately $81.15/month for a total of $730.35. This page is for informational purposes only and does not constitute financial advice. Fair Cash Loans is a loan comparison and referral platform, not a direct lender. We may earn a referral commission when users apply through lenders in our network. This does not affect loan terms. All lending decisions are made solely by the lender.
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