Find your fit
Choose a payday or instalment loan. See an illustrative cost before taking the next step.
A FRESH TAKE ON BORROWING
A little
breathing room.
Life doesn’t always wait for payday.
Borrow with clear costs and a simpler process,
built around your income. Not your credit score.
No credit checkNo instant bank verificationJust 2 recent paystubs to startApply 24/7—whenever your finances take a hit
Good things can be simple Your bank login stays yours. Always.
Let’s find your breathing room.
CAD$1,500
$50$5,000
Estimated monthly payment$264.71/ month
Illustrative APR: 19.9%No added fees*
Cost of borrowing$88.26
Total to repay$1,588.26
Illustration only, not an offer or approval. Proposed pricing is unconfirmed. Equal monthly payments; rounding may adjust the last payment.
LESS FRICTION. MORE CLARITY.
Income-first review
No bank login needed
Costs shown upfront
SMALL STEPS. A FRESH START.
Less paperwork.
More possibility.
A simple path from “what if” to “what’s next.”
Here’s how the proposed process works.
Start with two paystubs
No credit bureau check. No instant bank verification (IBV). Two recent paystubs start your income review.
Review your options
After identity, income and affordability checks, review any available offer. You decide whether to accept.
THE FAIRDAY IDEA
A fairer way
to move forward.
Financial setbacks shouldn’t define your future. We’re designing a lending experience that puts clarity, dignity and manageable payments first.
Take a look at the numbersYour income. Your potential.
A proposed income-based review, without using your credit score to make the decision.
Clear costs, from the start.
See principal, borrowing costs and total repayment together. No surprise add-ons in these examples.
An option, not an obligation.
Review the terms in your own time. Paystubs start a review; they do not guarantee a loan.
A LITTLE MORE CLARITY
Good questions.
Straight answers.
Does this affect my credit score?
This demo does not run any credit checks. The proposed model uses income-based review without a credit bureau check; final operating policies must be confirmed before launch.
Do I need to connect my bank account?
No instant bank verification or bank login is part of this proposed process. Secure payment setup and identity verification may still be required if the service launches.
Do two paystubs guarantee approval?
No. Two recent paystubs would start the review. Income authenticity, identity, eligibility, affordability and applicable lending rules still need to be checked. An offer cannot be guaranteed.
How are the fees lower?
The payday illustration uses $8 per $100, compared with Alberta’s current maximum of $14 per $100. That is a comparison to the legal maximum, not every lender. Instalment examples use 19.9% APR with no extra fees. All rates are proposed and are not currently available offers.
Can I apply or upload my paystubs now?
Not yet. This is a private concept preview. The sample application uses fictional documents only and does not accept, store or transmit personal or financial documents.
CONTACT US
Here when life doesn’t wait.
Questions about Fairday or the application process? Reach out anytime.
Emailinfo@fairdayloans.ca
Business hoursOpen 24 hours, every day
Applications are available 24/7. Responses and funding remain subject to review and processing.
Tomorrow looks a little lighter.
Explore what simpler borrowing could look like.