-
Phone:
+(905) 318-6953 -
Email:
support@faircash.ca -
Location:
1165 Fennell Avenue, East Hamilton, ON L8T1S3
Important: Fair Cash is not a lender and does not make credit decisions. Submitting a request does not guarantee approval. Payday loans are expensive and should be considered only for short-term emergencies.
Typical loan range
Online applications
Max fee per $100 (Ontario, effective Jan 1, 2025)
Online — no branch needed
Fair Cash is a comparison platform, not a direct lender. Loan approval is never guaranteed.
For Windsor Residents
A car repair, overdue utility bill or urgent prescription can put immediate pressure on your budget — especially when the expense arrives several days before your next paycheque.
Fair Cash helps Windsor residents submit an online loan request from a phone, tablet or computer. Depending on the lender and your financial situation, you may be considered for a short-term loan with repayment generally connected to your upcoming pay schedule.
The process is designed for situations where speed matters, but a payday loan should not be treated as extra income. Before accepting an offer, make sure the full repayment amount will leave enough money for rent, groceries, utilities, transportation and other essential expenses.
SIMPLE PROCESS
The application process normally follows several straightforward stages.
Provide accurate personal, employment, income and banking information. The form may be accessible 24/7, including evenings, weekends and holidays.
A lender may review your income, recent banking activity, existing obligations and ability to repay. Bad credit does not mean automatic approval.
If a lender makes an offer, read the agreement before accepting it — it should clearly show the amount, cost of borrowing, repayment date and cancellation rights.
Only accept if you understand the terms and can repay the full amount without immediately needing another loan.
Approved funds may be delivered using Interac e-Transfer or another electronic deposit method. Arrival time depends on the lender, your bank and verification requirements.
E-Transfer Funding
Many online lenders use Interac e-Transfer because it can be faster than waiting for a cheque or visiting a storefront. If approved, you may receive transfer instructions by email or text.
An e-transfer loan is not a separate category of credit — the term simply describes how the lender sends the money. The cost, repayment requirements and borrower protections still depend on the loan agreement and Ontario law.
Some transfers arrive quickly after approval, but phrases such as "instant e-transfer" should not be interpreted as a guarantee. Manual reviews, bank security checks, transfer limits or incorrect information can cause delays.
Availability
An online form may be available 24 hours a day, seven days a week, so Windsor residents can submit a request outside normal business hours, including late at night. However, 24/7 online access does not necessarily mean 24/7 approval or funding — a lender might need to review documents during its operating hours, and your financial institution may also delay a transfer.
| Feature | What It Generally Means |
|---|---|
| 24/7 online access | You can submit the form at any time |
| Fast decision | The lender may respond shortly after receiving complete information |
| Same-day funding | Funds may arrive that day if all conditions are met |
| Interac e-Transfer | An electronic method of delivering approved funds |
| Guaranteed approval | Not a legitimate promise; every request must be assessed |
If your need is time-sensitive, apply with complete and accurate information — missing details are a common reason a decision takes longer.
You may be able to submit a payday loan request on weekends, including Saturday or Sunday. Weekend funding is still conditional — the lender must be operating, your information must be verified and your bank must be able to process the transfer. Statutory holidays or scheduled banking maintenance may also affect timing. Do not rely on a promised funding time until the lender has approved your application and confirmed how the money will be delivered.
A low credit score can make borrowing from a bank more difficult, but it does not always prevent you from being considered by an alternative lender. Certain lenders may place greater emphasis on:
Some lenders may conduct a credit check, while others may use alternative financial information. "No credit check" should never be assumed unless the lender clearly explains its assessment process. Most importantly, bad-credit payday loans are not guaranteed.
No. Windsor residents may search for terms such as "no refusal payday loans", but every responsible lender must assess an application before offering credit. "No refusal" is a marketing phrase, not a promise that everyone will receive money.
Be cautious if a company:
Cost of Borrowing
As of August 2026, Ontario's maximum payday-loan cost is $14 for every $100 borrowed. This limit took effect on January 1, 2025. The fee applies to the payday-loan agreement — it is not $14 per month.
| Amount Borrowed | Maximum Borrowing Cost | Total Repayment |
|---|---|---|
| $100 | $14 | $114 |
| $300 | $42 | $342 |
| $500 | $70 | $570 |
| $1,000 | $140 | $1,140 |
| $1,500 | $210 | $1,710 |
These examples assume the loan is repaid on time and do not include possible bank NSF fees or legally permitted charges following a failed payment.
Payday loans are commonly advertised using a dollar cost per $100 instead of a conventional annual interest rate, which can make the price look smaller than it is. For example, borrowing $300 for 14 days at $14 per $100 costs $42. Expressed as an annualized percentage, that works out to roughly 365% — this does not mean you pay 365% during the 14-day term, but shows how expensive the charge would look if annualized. The Financial Consumer Agency of Canada uses this same $300 example and notes that payday loans are considerably more expensive than many other borrowing options.
Ontario's Payday loan: your rights page confirms the current $14-per-$100 limit and explains provincial borrower protections.
Know the Difference
Not every online loan is a payday loan. The distinction matters because the price, repayment period and legal framework can differ.
Generally a small, high-cost loan for a short period. In Ontario, regulated payday loans are typically $1,500 or less, with terms of 62 days or less. Repayment may be due in one amount or under an arrangement permitted by provincial rules.
Normally repaid through several scheduled payments rather than one payment on your next payday. It may provide more repayment time, but interest and fees can still make it expensive. Outside the provincial payday-loan exemption, Canada's federal criminal interest-rate rules generally impose a maximum of 35% APR, including covered interest and charges.
Always identify which product you are being offered rather than relying only on phrases such as "fast cash" or "short-term loan."
Requirements
Requirements differ between lenders. Eligibility never guarantees that a lender will approve the request.
Be at least 18 years old.
Live in Windsor or elsewhere in Ontario.
Have valid government-issued identification.
Maintain an active Canadian bank account.
Working email address and mobile number.
Employment income, pension or certain government benefits may be assessed, depending on the lender's policy.
Preparing your information before beginning can help avoid unnecessary delays. A lender may request:
Only submit information through a secure website. Check for HTTPS in the address bar and read the privacy policy to understand whether your details will be shared with lenders or service providers.
Consumer Protection
Ontario has specific protections for payday-loan customers. Among them, a borrower generally has the right to:
You can search for a lender or loan broker using Ontario's public licence resources. If the lender is unlicensed or the agreement does not properly disclose the cost, obtain guidance from Consumer Protection Ontario before sending money.
Want to explore more of what Fair Cash offers Windsor residents? Browse every page on our site via the Fair Cash sitemap.
A payday loan can solve an immediate cash shortage while creating a difficult repayment obligation on your next pay date. Before accepting one, compare less expensive possibilities:
Before accepting an offer, subtract the total repayment from your expected net income on the due date. Then subtract rent or mortgage payments, groceries, transportation, utilities, insurance and other scheduled debts.
If the remaining amount is not enough for essential expenses, the loan may postpone the problem instead of resolving it. Borrowing again to repay an earlier payday loan can create a costly cycle.
Borrow only the smallest amount required, understand the full cost and avoid accepting several loans at the same time.
Frequently Asked Questions
Common questions about payday loans in Windsor, Ontario
Some lenders can assess complete online applications quickly and may send approved funds through Interac e-Transfer. Timing varies according to verification, lender hours, your bank and transfer availability. Fast funding is possible but not guaranteed.
Yes, you may submit a request with bad credit. Some lenders consider income and banking activity alongside or instead of a traditional credit score. The lender will still determine whether you qualify.
Online applications may be submitted on weekends. Approval and funding depend on whether the lender is processing requests and whether your bank can receive the transfer.
No lender can responsibly guarantee approval to every applicant. "No refusal" is a search or advertising phrase. A lender must assess eligibility and may decline the application.
The current maximum is $14 per $100 borrowed, effective January 1, 2025. A $500 payday loan would therefore cost no more than $70 in borrowing charges, resulting in a total repayment of $570 when paid on time.
It depends on the lender and the type of credit check used. Review the consent language before submitting your request. A soft inquiry generally does not affect a score, while a hard inquiry may.
No. Fair Cash is not a lender and does not decide whether an application is approved. A participating lender independently reviews your information, determines eligibility and provides the loan agreement.
Yes. Payday loans are legal in Ontario when offered by provincially licensed lenders who comply with all regulations under the Payday Loans Act.
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.
If you have reviewed the cost, considered lower-cost alternatives and believe you can manage the repayment, you can complete the online request. Windsor residents may apply 24/7 from any connected device.
Submitting the form is not a promise of approval, and funding times vary. If a lender presents an offer, carefully review the cost, payment date and cancellation terms before deciding. Applying does not guarantee approval; loan amounts, rates, terms and funding times vary by lender and applicant. Fair Cash is not a lender.
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