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Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
Typical loan range
Online applications
Max fee per $100 (Ontario)
Online — no branch needed
Fair Cash Loans is a comparison platform, not a direct lender. Loan approval is never guaranteed.
SIMPLE PROCESS
From application to funds in your account — here's what to expect when you use Fair Cash Loans
Complete our secure application with your basic personal and financial details. Takes under 3 minutes — no faxing, no branch visit.
We match your application with licensed lenders in our network. You'll see available options with clearly disclosed terms — no surprises.
You're never obligated to accept any offer. Review the loan amount, fees, and repayment date carefully before making a decision.
If approved, funds are typically sent by e-Transfer or direct deposit. Timing depends on the lender and your bank — it is never guaranteed.
About Payday Loans
Many Windsor residents work in manufacturing, automotive, logistics, and healthcare — industries with shift schedules and hourly wages. When an unexpected bill arrives before your next paycheque, a payday loan can help bridge that short-term gap.
A payday loan is a short-term financial product designed to cover urgent expenses until your next pay date. In Ontario, payday loans are regulated under provincial consumer protection law. Lenders must clearly disclose all fees and repayment terms before you agree to anything.
Payday loans cost more than traditional credit and should only be used for genuine short-term emergencies — not as an ongoing financial solution.
Requirements
Eligibility requirements vary by lender. Meeting these general conditions does not guarantee approval — all lenders must assess affordability.
You must be the age of majority in Ontario to apply.
You must currently reside in Ontario, 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, no waiting in line.
See options from several licensed Canadian lenders at once — instead of applying one place at a time.
You are never required to accept any offer. Browse, compare, and decide entirely on your own terms.
Your personal data is handled with encrypted connections and never sold to unauthorized third parties.
Night shift worker? Apply at 2am. Our platform is available around the clock, 365 days a year.
All lender offers include clear disclosure of total costs, fees, and repayment dates — before you commit to anything.
Common Uses
Payday loans are intended for short-term emergencies only. Here are situations where Windsor residents commonly explore their options.
Emergency vehicle repairs essential for shift commutes.
Utility or phone bill shortfalls before your next paycheque.
Medical or prescription costs that cannot wait.
Urgent home repairs that require immediate attention.
Bridging gaps between paycheques when expenses arrive early.
Unexpected family expenses that need immediate coverage.
Consumer Protection
Ontario regulates payday lending to protect borrowers and ensure lenders operate transparently. All payday lenders operating in Ontario must hold a provincial license.
Lenders cannot charge more than $15 per $100 borrowed in Ontario.
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 debt cycles.
Lenders must hold a valid Ontario license to legally offer payday loans in the province.
All payday lenders operating in Ontario must hold a provincial license. This means they are legally required to disclose all fees upfront, follow strict rules around rollovers, and provide you with a written loan agreement before any funds are transferred.
Fair Cash Loans works only with lenders expected to comply with all applicable Ontario regulations. If you believe a lender has acted improperly, you can file a complaint with the Ontario Ministry of Public and Business Service Delivery.
Reviews
Real experiences from people who've used Fair Cash Loans to explore their options.
★★★★★
"My car broke down the week before payday. Fair Cash Loans helped me find a lender quickly and the whole process was online — no faxing, no branch visit."
— M.T., Windsor auto worker
★★★★★
"I appreciated that they were upfront about fees from the start. I compared two offers and picked the one that made sense for my budget. No pressure at all."
— D.R., Windsor healthcare worker
★★★★☆
"As a shift worker my schedule is unpredictable. Being able to apply at midnight after my shift was a huge relief when I had an unexpected bill come in."
— P.L., Windsor logistics worker
Frequently Asked Questions
Common questions about payday loans in Windsor, Ontario
Yes. Payday loans are legal in Ontario when offered by provincially licensed lenders who comply with all regulations under the Payday Loans Act.
Loan amounts typically range from $300 to $1,500. The exact amount depends on the lender's assessment of your income and repayment ability.
Ontario caps payday loan fees at $15 per $100 borrowed. For example, a $500 loan could cost up to $75 in fees. Always review the total repayment amount before accepting any offer.
Some lenders offer same-day or next-business-day funding via e-Transfer or direct deposit. Timing depends on the lender and your bank's processing times and is never guaranteed.
Some lenders may consider applications from shift workers, hourly employees, or those with non-traditional income schedules. Approval always depends on the lender's affordability assessment.
No. Fair Cash Loans is a loan comparison platform that connects users with licensed third-party 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 Windsor.
Apply online in minutes — compare licensed lenders with no obligation to accept any offer.
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