Phone:
+(905) 318-6953Email:
support@faircash.caLocation:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
Fair Cash Loans
A payday loan is a short-term financial product designed to help cover urgent expenses until your next pay date. These loans are intended for temporary cash gaps — not as a long-term financial solution.
Payday lending is legal across most Canadian provinces and territories, but each province sets its own maximum fees, age requirements, and consumer protection rules. This means the cost of borrowing, your rights as a borrower, and the rules lenders must follow vary depending on where you live.
Fair Cash Loans works with licensed lenders across multiple provinces. All lenders in our network are expected to comply with applicable provincial regulations.
Regulations
Every province has its own maximum fee cap and regulatory body. Always check the specific rules for your province before borrowing.
| 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 |
Note: Not all provinces permit payday lending. Quebec uses the Consumer Protection Act with different rules. Some territories have limited or no payday loan regulation.
Fair Cash Loans
Applying through Fair Cash Loans takes minutes and never requires a branch visit or paperwork.
Complete our secure application with your basic personal and financial details. Takes under 3 minutes.
We match your profile with licensed lenders in our network. You'll see options with clearly disclosed fees and repayment dates.
You are never obligated to accept any offer. Review the loan amount, fees, and repayment date carefully before deciding.
If approved by a lender, funds are typically sent via e-Transfer or direct deposit. Timing depends on the lender and your bank — it is never guaranteed.
Eligibility
General eligibility requirements vary by lender and province. Meeting these conditions does not guarantee approval.
| Age of majority | 18 in most provinces; 19 in BC, Nova Scotia, New Brunswick, and Yukon |
| Canadian resident | Must be a resident of a province where payday lending is regulated |
| Regular income | Employment, self-employment, pension, or government benefits may qualify |
| Active bank account | A Canadian bank account in your name is required to receive funds |
| Valid contact details | Working phone number and email address required |
| No guaranteed approval | All lenders must assess affordability — approval is never guaranteed |
Why Choose Us
We're not a lender — we're a comparison platform that connects you with licensed lenders across Canada.
No branch visits, no paperwork, no faxing. Apply from your phone or computer any time.
Compare options from several licensed Canadian lenders in one place.
You are never required to accept any offer. Browse and decide on your own terms.
Your data is handled with encrypted connections and never sold to unauthorized parties.
Apply any time — day or night, weekday or weekend.
All offers include clear disclosure of costs, fees, and repayment dates before you commit.
Borrow Wisely
Payday loans are a high-cost form of short-term credit. They are designed to cover genuine short-term emergencies — not ongoing financial needs. Using payday loans repeatedly or to cover recurring expenses can lead to a cycle of debt that is difficult to break.
Before applying, consider whether alternatives are available, such as an employer advance, a line of credit, borrowing from family or friends, or contacting a non-profit credit counselling service.
⚠️ Borrow Responsibly
Frequently Asked Questions
Common questions about payday loans in Canada, answered clearly and honestly.
Yes. Payday loans are legal across most Canadian provinces when offered by licensed lenders complying with provincial consumer protection legislation. Regulations vary by province.
No. No lender can legally guarantee approval in Canada. All lenders must assess your income and ability to repay before approving any loan. Any site claiming "guaranteed approval" should be treated with caution.
Fair Cash Loans is a comparison platform, not a lender. Individual lenders set their own assessment criteria. Some lenders in our network may focus more on income than credit score, but this is not a guarantee of approval.
Loan amounts typically range from $300 to $1,500. The exact amount depends on the lender's assessment of your income and repayment ability, and provincial regulations.
Some lenders may offer same-day or next-business-day funding via e-Transfer or direct deposit. Timing is never guaranteed and depends on the lender and your bank.
No. Fair Cash Loans is a loan comparison platform. We connect users with licensed third-party lenders and do not approve loans, set fees, or control funding timelines.
Contact your lender immediately. Depending on your province, you may have rights to an extended repayment plan. Never ignore a repayment date — late fees can add up quickly.
No. Payday loans are designed for short-term emergencies only. For ongoing financial needs, speak with a licensed credit counsellor or financial advisor.
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. Regulations vary by province. Always verify the applicable rules for your province before borrowing.