BORROW UP TO

$1,500!​

The Easiest Way To Get The
Fastest Loan in Canada

5-Minute Application With No Credit Check​

4.8/5

What Our Customers Have To Say

Graham
Graham
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Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
Anne
Anne
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The service was quick and customer service representatives were helpful and friendly.
Eric
Eric
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Very professional, respectful and quick to answer questions or concerns.
Cheryl
Cheryl
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Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
John
John
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Customer service today was great answered all my questions and was great helping me with my banking issues.
Ruth
Ruth
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First time using this company. Extremely fast service and no hassles. I highly recommend them!
Eric
Eric
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Friendly fast and efficient. Great company to deal with and the application is straightforward.
Joanne
Joanne
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I was in a real pinch. This was fast, easy and I got the funds I need quick. Sure beats any of those other services in Canada.
Andy
Andy
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Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
Lisa
Lisa
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Very quick online application and very friendly customer service.
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3 Easy Steps

1. Apply Online

Our online, secure application form only takes a few minutes to complete.

2. Get Approved

It takes around 30* minutes for us to make a decision on your loan application during business hours.

3. Get Your Money

Once approved, you should receive an E-mail Transfer transfer in 30* minutes.

All Types of Income Accepted

At Focus Cash Loans, we accept many types of income, including employment, benefits, and pensions. Apply now for fast and convenient loan service!

Employment Income

Child Tax Credit Benefits

Unemployment Insurance

Private Disability Insurance

CPP & Private Pension

Workers Compensation

Why Get a Loan from Focus Cash Loans?

Trusted Lender Since 2008

We have been helping Canadians to meet their short term financial needs for the past 12 years.

Apply Online Anytime 24/7

Fill out our easy online loan application form and borrow up to $1500 instantly!

All Types of Income Accepted

We not only accept employment income, but EI, child tax, private disability, workers comp & pension as well.

No Credit Check Loans

Unlike other lenders, we do not run credit checks and have a personalized approach to every loan application.

Instant Interac
e-Transfers

If you need money, you need it fast. Receive Interac e-Transfers within minutes of being approved.

No Hidden Fees Or Charges

When you get a payday loan from us, there are no hidden fees or extra hidden charges.

GET UP TO $1,500!​

Download Our Mobile App Now​

Get 24/7 access to your account from anywhere with our free mobile loan app by signing up.

Commonly Asked Questions

How do payday loans work?

Payday loans are designed to help you with emergency or unexpected expenses. If you need a quick loan, but don’t want the hassle of dealing with your bank, online payday loans are here to help. Payday loan is the fastest and easiest way to get you the cash you need.

How do I qualify for a payday loan?

Qualifying for a payday loan is pretty easy. If you are currently employed, or receiving unemployment insurance (EI), CPP, Private Pension or Private Disability Insurance and get paid by a direct deposit to your account, you qualify. Your net income should be at least $1,200 per month. We do not run credit checks, we only look at your banking account activity.

How many payday loans can I have?

You can have as many payday loans as you are able to pay. As long as you have sufficient funds on your payday for our loan to clear, and meet our lending requirements, having other loans/payday loans will not disqualify you from getting a loan from Focus Cash Loans.

How to apply for a payday loan?

Applying for a payday loan is very easy and fast. All you need is to fill out our online payday loan application form. You do not need to fax or email any documents. We have completely digitized our loan application process.

We provide online payday loans among others in the following provinces & cities:
Ontario (Toronto, Ottawa, Hamilton, Kitchener, London, Oshawa, Windsor, Barrie, Guelph, Kingston), British Columbia (Vancouver, Victoria, Kelowna, Abbotsford, White Rock, Surrey, Langley, Coquitlam, Burnaby), Alberta (Calgary, Edmonton, Red Deer, Lethbridge, Fort McMurray, Medicine Hat).

We Are the Leading Provider of Online Payday Loans in Canada Since 2008.

Looking for a short term loan that that is easy to qualify and easy to apply for? If you are in need of fast cash, Focus Cash Loans is here for you. With Focus Cash Loans you can borrow up to $1,500 deposited into your bank account in a matter of minutes! Apply online from your mobile device or a laptop. Our company has been providing 24/7 instant online e-transfer payday loans in Canada since 2008.

What makes Focus Cash Loans different from all those other lenders is our ability to provide excellent all-around service. We make the application process quick and easy, and our friendly staff are here to help you every step of the way. With the ability to put through an application from the comfort of your own home, or work in a matter of minutes, applying is simple and convenient. There is no more need to worry about missed payments, NSF fees, or unexpected expenses because Focus Cash Loan has you covered. If you run out of money before your next payday, you can simply apply online and be approved for a loan the same day!

Don’t hesitate, click the “Apply Now” button and fill out our online application. It couldn’t be easier! You don’t need to scan, fax or email your documents. We have completely digitized our loan application & loan approval process. We have a personalized approach to every loan application that we receive. We approve almost everybody who meets our simple requirements. And yes, we do not run credit checks!