-
Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
⚠️ Fair Cash Loans is a comparison platform, not a direct lender. We connect users with licensed Canadian lenders. Approval is never guaranteed and funding timelines are determined entirely by individual lenders.
“Instant” refers to the speed of the application process, not guaranteed funding timelines. Actual fund transfer times depend on the lender and your bank.
Typical loan range
Applications accepted
To complete application
Online — no branch needed
Canada-Wide
The term “instant payday loan” refers to the speed of the application and decision process — not a guarantee that funds will arrive instantly. When you apply through Fair Cash Loans, our platform quickly matches your application to lenders who can review it fast, often within minutes.
Once a lender approves your application and you accept their offer, funds are typically sent via Interac e-Transfer or direct deposit. The actual timing depends on the lender’s processing schedule and your bank’s receiving times — this can range from within a few hours to the next business day.
These loans are short-term products designed for genuine emergency expenses. They carry higher costs than traditional credit and should not be used as a recurring financial tool.
Apply in 3 Minutes Simple Process
Complete our secure application with basic personal, income, and banking details. The form takes under 3 minutes from any device.
Our platform quickly reviews your application and matches you with available licensed lenders. You’ll see offers with fully disclosed fees and terms.
You are never required to accept any offer. Take your time to review the total cost, repayment date, and lender terms before deciding.
If you accept a lender’s offer and are approved, funds are typically sent by e-Transfer or direct deposit. Timing varies by lender and bank.
Funding Speed
Funding speed is one of the most searched questions about payday loans in Canada. Here’s an honest breakdown:
Typically within minutes of submitting a complete application.
Minutes to a few hours depending on the lender and completeness of your information.
Once sent by lender: typically minutes to a few hours, depending on your bank.
Often next business day depending on your bank’s processing schedule.
Some lenders process on weekends; banking delays may still apply.
No lender can guarantee exact timing — be cautious of anyone who does.
Eligibility
General eligibility requirements vary by lender and province. Meeting these conditions does not guarantee approval.
18 in most provinces; 19 in BC, NS, NB, and Yukon.
Must reside in a province where short-term lending is regulated.
Employment, contract, pension, or government benefits.
An active Canadian bank account in your name is required.
A valid phone number and email address are required to process your application.
All lenders must assess your ability to repay. Approval is never guaranteed.
Province Fee Comparison
Fee caps vary by province. Always verify the rules for your specific province before accepting any loan offer.
| Province | Max Fee / $100 | Regulatory Body |
|---|---|---|
| Ontario | $15 | Ministry of Public and Business Service Delivery |
| British Columbia | $15 | Consumer Protection BC |
| Alberta | $15 | Service Alberta |
| Manitoba | $17 | Consumer Protection Office Manitoba |
| Saskatchewan | $17 | Financial and Consumer Affairs Authority |
| Nova Scotia | $19 | Service Nova Scotia |
| New Brunswick | $15 | Financial and Consumer Services Commission |
| Newfoundland & Labrador | $14 | Service NL |
| PEI | $15 | Consumer, Corporate and Insurance Services |
Responsible Borrowing
Short-term loans are among the highest-cost credit products available in Canada. The speed and accessibility of these loans can make it tempting to borrow for non-emergency expenses — but doing so regularly can create financial hardship.
Only apply for a short-term loan when facing a genuine, unavoidable emergency.
Always review the full cost of borrowing — fee plus repayment total — before accepting.
Never take out a second loan to repay the first — this is how debt cycles begin.
If struggling with debt, contact a non-profit credit counselling service in your province.
FAQ
Application decisions can come within minutes. Once approved and you accept an offer, e-Transfer delivery is typically within a few hours. Exact timing depends on the lender and your bank — it is never guaranteed.
Yes. The Fair Cash Loans platform is available 24/7. Some lenders process applications outside business hours, though banking transfer times may still apply.
No. No lender in Canada can legally guarantee approval. All lenders must assess your ability to repay before issuing a loan.
No. The entire application process is online. Some lenders may request digital copies of supporting documents, but no faxing is required.
No. Fair Cash Loans is a comparison platform connecting you with licensed lenders. We do not approve loans, set fees, or control funding timelines.
Many lenders accept employment income, pension, CPP, EI, ODSP, OW, and other government benefits. Acceptance varies by lender.
Contact your lender before the repayment date. Depending on your province, you may have rights to request an extended repayment plan.
Apply online in minutes — compare licensed lenders across Canada with no obligation to accept any offer.
See What I Qualify ForFair 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. “Instant” refers to the speed of the application process. Actual funding timelines are determined by individual lenders and banking institutions and are never guaranteed.