CashWaves is committed to transparency and consumer awareness. While we do not issue loans or make credit decisions, we believe users should understand their rights and know where to seek assistance if issues arise.
We Are Not a Lender
CashWaves does not approve loans, issue funds, set loan terms, manage repayments, or collect payments. We are an informational platform that connects Canadians with regulated lending partners.
If you have a complaint about a specific loan, repayment issue, or lender behaviour, you must contact your lender directly. Loan agreements are entered into between you and the lender.
Contact Your Lender First
If you have concerns about your loan, the first step is always to contact your lender directly. Most regulated lenders have internal complaint resolution procedures.
You should find your lender's contact information in your loan agreement. Most regulated lenders must respond to complaints within a set timeframe under provincial law.
Contact Your Provincial Regulator
Payday lending in Canada is regulated at the provincial level. If you believe a lender has violated provincial laws, you may contact your province's regulatory authority.
You can also review our Locations section for province-specific information about lenders and regulations in your area.
Recognizing Responsible Lending
Regulated lenders must follow specific standards. Knowing what to expect helps you identify when something has gone wrong.
If you believe these standards were not followed, contact your provincial regulator using the information above.
Facing Financial Hardship?
If you are experiencing ongoing debt challenges, short-term loans may not be suitable for your situation. Consider these resources:
Short-term loans are intended for temporary needs and may not be suitable for long-term financial difficulties. For more guidance, visit our Responsible Lending Commitment.
Reporting Issues With Our Website
If your complaint relates to something on the CashWaves website, please contact us directly. We review all feedback carefully and update content when necessary.
- Incorrect regulatory information
- Outdated content or resources
- Website errors or technical issues
- Affiliate disclosure concerns
Please contact us through our Contact Us page to report any content that may need review or correction. We aim to address all feedback promptly.
Our Commitment to Consumer Transparency
We believe informed consumers are better protected consumers. CashWaves is committed to:
- Clear affiliate disclosures on all content
- Accurate provincial references and regulatory information
- Transparent cost explanations for loan products
- Responsible borrowing guidance and resources
- Regular content reviews to maintain accuracy
Have More Questions?
Explore our resources or reach out if you need help understanding your rights as a borrower in Canada.