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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 (BC)
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
Surrey is one of BC's fastest-growing cities and home to a diverse population across construction, healthcare, education, retail, and technology. Rising housing costs, family expenses, and the cost of commuting across Metro Vancouver create real budget pressure for many Surrey households — especially those with variable or hourly income.
A payday loan is a short-term financial product designed to cover urgent expenses until your next pay date. In British Columbia, payday lending is regulated under the Business Practices and Consumer Protection Act (BPCPA), and all lenders must be licensed with Consumer Protection BC and fully disclose all fees.
Note that in BC the minimum age to apply is 19 — not 18 as in Ontario. These loans carry higher costs than traditional credit and should only be used for genuine short-term emergencies.
Guaranteed Approval
No. Payday loans are not guaranteed approval in Surrey or anywhere in Canada. While some lenders may consider applications from gig workers, construction employees, or those with variable income, all lenders are legally required under BC's BPCPA 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 Surrey. Speed typically depends on how early in the day you apply, whether all required information is submitted, 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.
Bad Credit
Some lenders in our network may consider applications from individuals with poor or limited credit history. Surrey lenders typically focus more on current income and 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.
The age of majority in BC is 19 — not 18. You must be at least 19 to apply.
You must currently reside in British Columbia, Canada.
Employment, gig 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 Surrey residents commonly explore their options.
Emergency vehicle repairs essential for commuting across Metro Vancouver.
Childcare, school, or family-related expenses that can't wait until payday.
Medical or prescription expenses that cannot wait.
Household or appliance repair costs that require immediate attention.
Gaps between paycheques for construction, retail, or gig workers.
Urgent rent or utility shortfalls before your next payday arrives.
BC Regulations
British Columbia regulates payday lending under the Business Practices and Consumer Protection Act (BPCPA). All lenders must be licensed through Consumer Protection BC and comply with provincial standards before offering any loan product.
Note that in BC the minimum age to borrow is 19, not 18. If you believe a lender has acted improperly, file a complaint with Consumer Protection BC at consumerprotectionbc.ca.
Lenders cannot charge more than $15 per $100 borrowed in British Columbia.
All costs and repayment dates must be clearly disclosed before you sign anything.
Lenders cannot automatically roll your loan into a new one, protecting you from compounding debt.
Lenders must hold a valid Consumer Protection BC licence to legally operate in the province.
BC law requires that payday loan terms give borrowers adequate time to repay, tied to pay cycles.
Borrowers can file complaints with Consumer Protection BC at consumerprotectionbc.ca.
Testimonials
Replace these placeholders with real verified customer reviews when collected.
★★★★★
"Rent went up and my hours got cut the same month. Fair Cash Loans helped me find a short-term option quickly without any pressure to accept something that didn't fit."
— H.S., Surrey construction worker
★★★★★
"I needed emergency childcare funds and couldn't wait until payday. The online application was simple and the fee breakdown was completely transparent."
— N.B., Surrey healthcare worker
★★★★☆
"As a gig worker my income isn't always predictable. Fair Cash showed me real lender options in one place — much better than applying to five places separately."
— R.G., Surrey delivery driver
FAQ
We've compiled answers to the most common questions about payday loans in Surrey, BC. If your question isn't addressed below, feel free to contact us.
Yes. Payday loans are legal in British Columbia when offered by lenders licensed under the Business Practices and Consumer Protection Act and registered with Consumer Protection BC.
Loan amounts typically range from $300 to $1,500. The exact amount depends on the lender's assessment of your income and repayment ability.
BC 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.
The age of majority in British Columbia is 19. You must be at least 19 years old to apply for a payday loan in BC.
Some lenders may consider applications from gig workers, self-employed individuals, or those with non-traditional income. 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 needs, speak with a licensed financial advisor or credit counsellor in Surrey.
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