Phone:
+(905) 318-6953Email:
support@faircash.caLocation:
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.
“No credit check” means some lenders place less emphasis on your credit score — it does not mean approval is guaranteed or that no assessment takes place. All licensed lenders must assess your ability to repay.
Typical loan range
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The term “no credit check loan” is widely used in Canada but is often misunderstood. Here’s the honest explanation.
All licensed lenders in Canada must comply with provincial consumer protection laws, which require them to assess a borrower’s ability to repay before issuing a loan. This assessment may include reviewing your income, banking activity, and existing financial obligations.
What “no credit check” typically means in practice is that the lender does not perform a hard credit inquiry with a major bureau like Equifax or TransUnion. Instead, they rely more on income verification, bank statement review, or alternative data sources.
This approach can benefit people with poor credit history, limited credit history, or those rebuilding their credit.
However, it does not mean the lender will approve everyone who applies. Affordability assessment is still required by law.
Apply in 3 Minutes Who It Helps
Short-term lenders who rely less on traditional credit scores may be an option for a variety of Canadians.
Past financial difficulties don’t necessarily disqualify you from income-based lending assessment.
Those without an established Canadian credit history may still qualify based on income.
Variable or self-employed income may be considered by some lenders in their assessment.
ODSP, OW, EI, CPP, or pension income may be accepted as valid income sources by some lenders.
Those with no credit history — not bad credit, just none — may be assessed on income alone.
Income-based lending does not add a hard inquiry that could further lower your credit score.
Credit Health
Even if you’re using a lender that doesn’t perform a hard credit check, understanding your credit health is important for your long-term financial wellbeing.
If you’re concerned about your credit score, consider contacting a non-profit credit counselling service in your province.
Many offer free advice and can help you build a plan to improve your financial health over time.
Apply Now Simple Process
The application process through Fair Cash Loans is straightforward and fully online.
Provide your basic personal, income, and banking details. Takes under 3 minutes from your phone or computer.
We match your application with lenders in our network. See available offers with clearly disclosed fees and repayment terms.
You are never obligated to accept any offer. Review the full cost of borrowing before deciding.
If approved, funds are typically sent via e-Transfer or direct deposit. Timing depends on the lender and your bank.
Eligibility
Requirements vary by lender. Meeting these conditions does not guarantee approval.
Be 18 or 19 years of age depending on your province of residence.
Must reside in a province where short-term lending is regulated under provincial law.
Employment, government benefits, pension, or self-employment income may qualify.
An active Canadian bank account held in your name is required by most lenders.
A valid phone number and email address are required to process your application.
All lenders must assess repayment ability by law. Approval is never guaranteed by any lender.
Responsible Borrowing
Short-term loans with income-based assessment typically carry higher fees than traditional credit products. The absence of a hard credit check does not make these loans cheaper or lower risk.
Review the full cost of borrowing — including all fees — before accepting any offer.
Only borrow what you can comfortably repay on or before the agreed repayment date.
Taking multiple short-term loans at once can lead to a difficult-to-break debt cycle.
If struggling financially, contact a non-profit credit counsellor in your province before borrowing.
FAQ
It typically means the lender does not perform a hard credit bureau inquiry. They may still assess your income, banking activity, and ability to repay. It does not mean approval is guaranteed.
Some lenders in our network may consider applications from individuals with poor credit history. Approval always depends on the lender’s income and affordability assessment.
Applying through Fair Cash Loans does not affect your credit score. Individual lenders set their own assessment practices. If a lender performs a hard credit check, that may appear on your credit report.
Loan amounts typically range from $300 to $1,500, depending on the lender and your income level.
No. Fair Cash Loans is a comparison platform. We connect users with licensed third-party lenders and do not approve loans, set fees, or control funding.
Yes. Short-term lending is legal across most Canadian provinces when lenders comply with provincial consumer protection legislation.
Contact your lender immediately. Depending on your province, you may have rights to an extended repayment plan. Never ignore a repayment obligation.
Yes. Consider an employer advance, a line of credit, borrowing from a trusted person, or contacting a non-profit credit counselling service. These options may carry lower costs.
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. The term “no credit check” refers to lenders who may not perform a hard bureau inquiry. All licensed lenders are still required by provincial law to assess repayment ability.