-
Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
Fair Cash Loans
Fill out our simple online application form with your personal and financial details.
Receive an approval decision within minutes of submitting your application.
Once approved, the loan amount is deposited directly into your bank account, often within one business day.
Repay the loan on your next payday or choose from our flexible repayment options to suit your budget.
A car repair, heating bill or another urgent expense can be difficult to manage when payday is still several days away. If you are considering payday loans in Calgary, Fair Cash can help you explore online short-term borrowing options. Some lenders consider applications involving bad credit and may send approved funds through Interac e-Transfer. You can apply online 24/7, although approval and funding times are never guaranteed.
Important: Fair Cash is a loan search and comparison platform—not a direct lender. We do not make credit decisions, determine loan terms or control funding times. Payday loans are expensive and are intended for short-term emergencies.
Urgent expenses rarely arrive at a convenient time. Your vehicle may need a repair before your next shift. A furnace problem might need immediate attention during a Calgary cold spell. You could also be dealing with an overdue utility bill, dental treatment or an essential household purchase.
When savings are unavailable and the expense cannot be delayed, a small payday loan may cover the immediate shortage. The application can generally be completed online without travelling to a physical lending location.
Before borrowing, consider what will happen on the repayment date. A payday loan may fix today’s problem while reducing the money available from your next paycheque. It should not be used as a regular source of income or to support an expense that continues every month.
If you are unfamiliar with this type of borrowing, begin with Fair Cash’s overview of payday loans in Canada.
Under Alberta’s current rules, a payday loan is a short-term loan of $1,500 or less. Its term cannot exceed 62 days.
As of January 1, 2025, an Alberta payday lender cannot charge more than $14 for every $100 borrowed. The limit includes all mandatory fees and charges connected with the loan.
A provider offering, arranging or issuing payday loans to Calgary residents must hold the appropriate Alberta payday-loan business licence. This applies to online lenders as well as storefront businesses.
The lender must explain the cost, payment terms and cancellation rights before you accept the agreement.
The exact process differs by lender, but most online loan requests follow several basic stages.
Provide your legal name, Calgary address, contact information, income details and required banking information. Enter accurate information because inconsistencies can delay the assessment.
The form may be available 24 hours a day. You can learn more about Fair Cash’s role on our How It Works page.
Fair Cash does not approve or decline applications. If your information is sent to a lender, that provider applies its own eligibility and affordability criteria.
The lender may consider:
You may need to confirm your identity, income or bank-account ownership. A lender can also ask for supporting information when it cannot verify a detail automatically.
If you receive an offer, check the principal, borrowing charge, total repayment amount and due date. An offer does not require you to accept.
Do not focus only on how quickly the money may arrive. Calculate whether the full payment will leave enough of your next paycheque for essential expenses.
Depending on the provider, approved funds may be sent through Interac e-Transfer or direct deposit. Transfer times depend on the lender, your bank and any outstanding verification.
Many applicants prefer an e-transfer loan because there is no cheque to collect and no branch visit. Once an approved agreement has been accepted, the lender may send funds electronically.
You will typically need:
If automatic deposit is enabled, the money may enter your account without a security question. Otherwise, you may need to follow the instructions in the transfer notification.
The term “instant e-transfer loan” should be interpreted carefully. Interac transfers can move quickly, but the lender still needs to assess the application and approve the loan first.
Manual checks, incorrect information, bank security reviews or scheduled maintenance can delay the funds. For more detail, see our guide to online payday-loan applications and funding times.
An online form may be accessible 24 hours a day, seven days a week. That means Calgary residents can submit a request in the evening, early morning or outside ordinary branch hours.
However, there is a difference between application access, approval and funding:
| Stage | What it means |
|---|---|
| 24/7 application | The form can be submitted at any time |
| Application review | A lender evaluates your eligibility |
| Approval | The lender agrees to offer specific terms |
| Funding | The approved money is sent and received |
Submitting an application overnight does not guarantee an overnight decision. Some lenders use automated tools, while others require a member of staff to verify certain information.
Fair Cash does not control when an individual lender reviews a request.
You may submit an online application on Saturday or Sunday. Whether a weekend application receives a decision or funding that day depends on several factors:
Some lenders may process eligible applications on weekends. Others may wait until the next business day.
Avoid committing to a payment or purchase based only on an advertised funding estimate. Wait until the lender has confirmed approval and transfer arrangements.
Past financial problems do not necessarily prevent you from submitting a request. Some alternative lenders place more weight on current income and banking activity than on a traditional credit score.
A lender may review:
Some providers may perform a credit inquiry. Others may assess your application using financial information rather than relying primarily on a bureau score.
If you are specifically concerned about your credit history, read our explanation of no-credit-check loan options. “No credit check” does not mean no assessment, and it does not mean automatic approval.
People often search for no-refusal payday loans in Calgary after a bank or another lender has declined an earlier application. No responsible lender can promise that every request will be approved.
A lender may refuse an application because:
“No refusal” is a search phrase, not a genuine approval guarantee. Fair Cash does not promise approval, and applicants should be cautious of any provider that does.
Never pay an upfront “insurance,” “processing” or “release” fee to receive a promised loan. Legitimate borrowing charges should be clearly disclosed in the written agreement.
The maximum Alberta payday-loan charge is $14 for every $100 borrowed, including all mandatory fees.
| Amount borrowed | Maximum cost | Total repayment |
|---|---|---|
| $100 | $14 | $114 |
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $750 | $105 | $855 |
| $1,000 | $140 | $1,140 |
| $1,500 | $210 | $1,710 |
For example, if you borrow $500, the maximum standard borrowing charge is $70. You would repay $570 when the loan is paid on time.
These are regulatory examples, not quotes from Fair Cash. The lender must disclose the actual amount in its agreement.
A late or failed payment may lead to additional permitted charges or collection activity. Your bank may also charge for a failed pre-authorized debit, subject to the rules applying to that institution and account.
The Government of Alberta confirms the current maximum cost on its official payday-loan information page.
Payday-loan prices are usually shown as a fee for every $100 instead of an annual interest rate. Because the repayment period is short, the annualized cost is very high.
Suppose you borrow $300 for 14 days:
The approximate equivalent annual percentage is roughly 365%. This does not mean the lender charges 365% during those 14 days — the calculation annualizes the short-term fee to make comparison with other borrowing products easier.
That is why a payday loan should generally be reserved for a genuine, one-time emergency.
A payday loan and an installment loan are not the same product.
Payday loan: An Alberta payday loan is limited to $1,500 and a term of no more than 62 days. The maximum borrowing fee is $14 per $100.
Personal or installment loan: An installment loan is repaid through multiple scheduled payments. It may offer more repayment time, but the total amount paid can increase when the term is longer.
For ordinary non-payday consumer loans, Canada’s general criminal interest-rate ceiling was reduced to 35% APR on January 1, 2025. The federal calculation includes covered interest and fees.
When comparing offers, look at: the amount deposited, the APR or payday-loan charge, every payment amount, the number of payments, mandatory fees, total repayment and the final due date. Do not compare products using the payment amount alone.
Each lender sets its own requirements. An applicant will commonly need to:
Certain lenders may consider income from sources other than traditional employment. Acceptance depends on the lender’s policy. Meeting these conditions does not guarantee that you will receive an offer.
Prepare the following before starting:
Do not increase your income or omit debts to improve your application. The lender’s decision should be based on your real ability to repay.
Only provide private information through a secure connection. You can review how Fair Cash handles submitted information in our Privacy Policy.
Alberta has rules governing both online and storefront payday lenders. Important protections include:
Read the cancellation instructions in your agreement carefully. Keep copies of the contract, transfer confirmation and payment records.
Stop and investigate further if a provider:
A professional website alone does not prove that the provider is licensed.
Before accepting a high-cost short-term loan, consider whether another option may cost less:
If your main problem involves several existing payments, a payday loan may not resolve it. You may want to learn about debt-consolidation options, while remembering that consolidation also requires qualification and can have costs.
Suppose your next net paycheque is $1,700 and you borrow $500. At the maximum Alberta cost, you would repay $570, leaving $1,130.
Now subtract the expenses due before your following pay date: rent, groceries, heating and electricity, transportation, insurance, medication, childcare and existing credit payments.
If $1,130 will not cover those essentials, the payday loan could create another shortage. A smaller amount, payment extension or different option may be safer.
Avoid taking a new loan to repay an earlier one. Repeated short-term borrowing can turn a temporary cash problem into ongoing debt.
If you have considered less expensive alternatives and confirmed that repayment fits your budget, you may complete an online request. The Fair Cash application can be accessed from a phone, tablet or computer.
Submitting the form does not guarantee approval. Loan amounts, terms and funding times depend on the lender and your financial circumstances. Read the agreement carefully before accepting.
Applications may be available 24/7. Approval and same-day funding are not guaranteed. Fair Cash is not a direct lender.
Fair Cash also helps borrowers explore short-term loan options in other cities, including Edmonton and Vancouver. You can find our full list of service areas on the sitemap.
Frequently Asked Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers. If you have a question that is not addressed below
Some lenders may make decisions quickly and send approved funds through Interac e-Transfer. The timing depends on verification, the lender’s schedule and your bank. Same-day funding is possible but not guaranteed.
Yes, you may apply with bad credit. Some lenders consider income and banking activity alongside or instead of relying mainly on a credit score. See our no-credit-check loan options page for more detail. The lender can still decline the request.
An online form may be submitted on Saturday or Sunday. Weekend review and funding depend on the lender and banking availability.
No legitimate lender can guarantee approval for every applicant. “No refusal” should not be interpreted as unconditional approval.
A payday lender may charge no more than $14 per $100 borrowed, including mandatory fees. A $500 loan can therefore cost up to $70.
An Alberta payday loan cannot exceed $1,500. The amount offered may be lower depending on the lender’s assessment.
You generally have two business days to cancel an Alberta payday loan at no cost. Follow the written cancellation procedure and return the principal as required.
No. Fair Cash is a comparison platform—not a lender. The lender independently decides whether to approve your application and sets the terms. Learn more on our How It Works page.
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