Borrow Up To $1,500

The easiest way to get the fastest loan in Canada

5-minute application and
no credit check

Excellent

Rob
Rob
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Really easy to use and quick fast with no hassle
Karie
Karie
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Very good customer service. Always friendly and helpful.
Carrie Vedan
Carrie Vedan
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You guys are always there for me when no one else is thank you!!
Ms. Emily A. Angulalik
Ms. Emily A. Angulalik
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Quick and reliable!👍👍👍
Customer
Customer
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Always incredible helpful and reliable when needed. Staff are friendly and effective.
Sharon C
Sharon C
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Focus cash loan is very easy to deal with. They're very quick with response. I cannot say enough good about them.
 Happy customer
Happy customer
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Great, fast,service. Always polite if I need to call but every thing can be done online ( which I like)
Customer
Customer
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Fast and efficient customer service, I am a satisfied valued client. Thanks a lot
 D. Ackles
D. Ackles
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Great service provided by great people. Always.
Customer
Customer
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Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.
Neil
Neil
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They are very professional and helpful and provide excellent customer service.
Nancy
Nancy
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You have always been so easy to deal with. Highly recommended.
Milagros
Milagros
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Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.
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Trusted Lender

Secure Application

Fast Approvals

How To Get Bad Credit History Loan

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

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get Bad Credit History 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.

We are the leading provider of Bad Credit History Loan since 2008.

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

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 the 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.