-
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. Loan approval is never guaranteed.
Typical loan range
Applications accepted
Max fee per $100 (Alberta)
Online — no branch needed
Simple Process
From application to funds in your account — here's what to expect when you use Fair Cash Loans.
Complete our secure online application in under 3 minutes — no faxing or branch visit required.
We match your application with licensed lenders. See options with clearly disclosed terms before committing.
You're never obligated to accept any offer. Review the loan amount, fees, and repayment date carefully.
If approved, funds are typically sent by e-Transfer or direct deposit. Timing depends on the lender and your bank.
About Payday Loans
Edmonton is Alberta's capital city and a hub for energy, construction, healthcare, and government employment. Many Edmonton households face significant seasonal expenses — long winters drive up heating and vehicle maintenance costs, while fluctuating energy sector employment can create income variability.
A payday loan is a short-term financial product designed to cover urgent expenses until your next pay date. In Alberta, payday lending is regulated under the Payday Loans Regulation, and all lenders must be licensed by Service Alberta and fully disclose all fees before any agreement is signed.
These loans carry higher costs than traditional credit products and should only be used for genuine short-term emergencies. Alberta gives borrowers a cooling-off period — you can cancel a payday loan by the end of the next business day after signing.
Guaranteed Approval
No. Payday loans are not guaranteed approval in Edmonton or anywhere in Canada. While some lenders may consider applications from oil and gas workers, tradespeople, or those with variable income schedules, all lenders are legally required under Alberta law to assess affordability and repayment ability before approving any loan.
Any website claiming guaranteed approval should be avoided. Fair Cash Loans does not approve loans, set fees, or control funding outcomes.
Same-Day Loans
Some lenders in our network may offer same-day funding in Edmonton. Speed typically depends on how early in the day you apply, whether all required information is provided, and the individual lender's processing capacity.
Same-day funding is not guaranteed. Even with faster lenders, funds may not arrive until the next business day depending on your bank's processing schedule. Always confirm the expected funding timeline with the lender before accepting any offer.
Check My Options — No Obligation Bad Credit
Some lenders in our network may consider applications from individuals with poor or limited credit history. Edmonton lenders typically focus more on your current income and demonstrated ability to repay rather than credit score alone.
However, approval is never guaranteed. All lenders must assess affordability before proceeding. Fair Cash Loans does not approve loans, set fees, or control funding timelines.
Eligibility
Eligibility requirements vary by lender. Meeting these general conditions does not guarantee approval.
You must be at least 18 years old to apply in Alberta.
You must currently reside in Alberta, Canada.
Employment, shift work, pension, or government benefits may qualify.
A Canadian bank account in your name is required to receive funds.
A working phone number and email address are needed to process your application.
No lender can guarantee approval. Any site claiming otherwise should be avoided.
Why Fair Cash Loans
We're not a lender — we're a comparison platform that puts you in control of your borrowing decisions.
Apply entirely from your phone or computer — no paperwork, no in-person appointments.
See options from several licensed lenders at once instead of applying one at a time.
You are never required to accept any offer. Browse and decide entirely on your own terms.
Your personal data is handled with encrypted connections and never sold to unauthorized parties.
Apply any time — our platform runs around the clock, 365 days a year.
All lender offers clearly disclose total costs, fees, and repayment dates before you commit.
Common Uses
Payday loans are intended for short-term emergencies only. Here are situations where Edmonton residents commonly explore their options.
Emergency vehicle repairs essential in Edmonton's car-dependent layout.
Winter heating and utility bill spikes common in Edmonton's climate.
Medical or prescription expenses that cannot wait.
Childcare or school-related cost gaps that arise unexpectedly.
Temporary income gaps for energy sector or contract workers.
Urgent home repair or appliance replacement when it can't wait.
Provincial Regulations
Alberta regulates payday lending under the Payday Loans Regulation, enforced by Service Alberta. All lenders must hold a provincial licence and comply with strict consumer protection rules before offering any loan product.
Lenders cannot charge more than $15 per $100 borrowed in Alberta.
All fees, repayment dates, and total costs must be clearly disclosed before you sign.
Lenders cannot roll your loan into a new one automatically. This protects borrowers from compounding debt.
All payday lenders must hold a valid Alberta Service Alberta licence to operate legally.
Alberta borrowers have the right to cancel a payday loan by the end of the next business day after signing.
File complaints with Service Alberta at servicealberta.gov.ab.ca.
Testimonials
★★★★★
"My furnace broke in January and I needed funds before my next paycheque. Fair Cash Loans connected me with a lender quickly and the whole process was online."
— B.K., Edmonton trades worker
★★★★★
"Working in energy means my income can be irregular. I appreciated that Fair Cash showed me real options without pushing me toward anything."
— D.L., Edmonton energy sector worker
★★★★☆
"Clear fees, no pressure, and I could apply after my shift ended at night. Exactly what I needed."
— S.N., Edmonton healthcare worker
FAQ
Yes. Payday loans are legal in Alberta when offered by lenders licensed under the Payday Loans Regulation and registered with Service Alberta.
Loan amounts typically range from $300 to $1,500. The exact amount depends on the lender's assessment of your income and repayment ability.
Alberta caps fees at $15 per $100 borrowed. For example, a $500 loan could cost up to $75 in fees. Always review the full repayment amount before accepting any offer.
Yes. Alberta gives borrowers a cooling-off period. You can cancel a payday loan by the end of the next business day after signing, with no penalty.
Some lenders may consider applications from energy workers, tradespeople, or contract employees. Approval always depends on the lender's affordability assessment.
Some lenders 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 comparison platform connecting users with licensed lenders. We do not approve loans, set fees, or control funding timelines.
No. Payday loans are designed for short-term emergencies only. For ongoing financial needs, speak with a licensed financial advisor or credit counsellor in Edmonton.
Apply online in minutes — compare licensed lenders 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. Alberta lenders must comply with the Payday Loans Regulation and be licensed by Service Alberta.