Get up to $1,500 into your bank account in 30* minutes!

How The Loan Process Works


Apply Online

Applying with Focus Financial is fast and easy, simply fill out our secure and easy application form.


Get Approved

Get approved for a loan in as little as 30* minutes during our regularly scheduled business hours.


  Instant Funding

Once approved, you can receive the funds via E-Mail transfer within 30 minutes*.

Why should you loan with Focus Financial? 

Trusted Lender

We have been supplying Canadians with short term loans for the past 10 years, come see why we are the preferred payday loan provider. 

Quality Customer Service

Got any questions? Please call or email us right away and our staff will guide you through the way.

High Approval Rate

Every application is based on a per person basis and all circumstances are taken in to consideration.            

Fast Turn Around

We strive to process your loans application within minutes and get the money you need right away.

No Faxing Required

Send us your documents the fastest way possible by using our online verification.

Easily Apply Online

In less than 5 minutes your application can be submitted to be processed for your same day loan.

How Bad Credit History Loan Affects Borrowing

Most people do not realize they have had bad credit until it’s too late they don’t realize how much they have been spending. For some people the bad credit was unavoidable because they either landed in some financial difficulty or they just had a bump in the amount of expenses. No matter the reason for this bad credit history, it’s a relief to realize that there are now bad credit history loan. However this does not mean that one can get the same amount of money as those who have no credit. The number of loans available to a person who has credit is limited and they may not be able to cover the needs of credited borrower.

Important Points To Note About Bad Credit History Loan

Picture of employee that got Bad Credit History Loan In Canada, there are two main types of loans for people who have bad credit history loan. These loans may not be as good or may not offer the service other loans given to no credit borrowers, but they should be able to serve the borrower for the mean time as he figures out how to get out of his current credit situation. The money could be used to make the current financial situation of the borrower a little more tolerable. Getting this money is not easy however, and even after managing to get the loan, it does not mean that they will get an amount suitable to their needs.
Before deciding which way is the best for a person looking for a bad credit history loan to follow, one should first check their credit and know just how much they owe. This should help the borrower know just how much they owe and how much they need to borrow. It will also avoid any surprises that any occur when the borrower goes through your credit history. After doing this, get a credit report and make a copy for the lender and yourself. Do this so as to be able to know what the lender will be looking at as they make a decision whether or not to give you the loan. After identifying the amount you need, do research on the banks and other lenders in Canada who offer loans to people with your needs. After doing this compare and choose which one to apply for.
The first loan for people with bad credit is the secured loan. With this kind of loan one, who is the borrower is required to offer something to the lender which is in form of collateral in the rare case that the borrower is not able to pay back the borrowed amount. The secured loan however is a little advantageous as the borrower can be able to borrow a large amount. Also, with this kind of loan one has an extension on the time required to pay back the loan. This is because the lender sees minimal risk as they have leverage if the borrower fails to come up with a way to pay back the lender plus the stipulated interest. This is not affected by the terms of any other bad credit history loan.
The second type of bad credit history loan is the unsecured loan where, as the name suggest, one does not have secure anything with the lender in order to get a loan. This means they do not have to offer anything as collateral. This is however a risk to the lender and that is why they give limited time to pay back the loan in full; interest included. This will also have to make the interest rate very high compared to others. It is always wise to try and avoid having a bad credit history.

Bad Credit History Loan Video