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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.
CashWaves does not:
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.
For more information about our role, please visit our About Us page.
If you have concerns about:
You should first contact the lender listed in your loan agreement.
Most regulated lenders have internal complaint resolution procedures.
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.
Regulator: Financial Services Regulatory Authority of Ontario (FSRA)
Regulator: Service Alberta
Payday lenders are regulated under provincial consumer protection legislation.
Regulated by Manitoba Consumer Protection authorities.
Regulated under provincial consumer protection laws.
Regulated under provincial consumer credit legislation.
Consumer lending is governed by provincial consumer protection laws.
You can also review our Locations section for province-specific information.
Regulated lenders must:
If you believe these standards were not followed, contact your provincial regulator.
If you are experiencing ongoing debt challenges, consider seeking help from:
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.
If your complaint relates to:
Please contact us directly through our Contact Us.
We review feedback carefully and update content when necessary.
CashWaves is committed to:
We believe informed consumers are better protected consumers.
