Your Guide to Bad Credit Loan Companies

5-Minute Application With No Credit Check​

What Our Customers Have To Say

Read More
Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
Read More
The service was quick and customer service representatives were helpful and friendly.
Read More
Very professional, respectful and quick to answer questions or concerns.
Read More
Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
Read More
Customer service today was great answered all my questions and was great helping me with my banking issues.
Read More
First time using this company. Extremely fast service and no hassles. I highly recommend them!
Read More
Friendly fast and efficient. Great company to deal with and the application is straightforward.
Read More
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.
Read More
Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
Read More
Very quick online application and very friendly customer service.

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

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.

Which Loan Company is Best for Bad Credit in Canada? Unveiling the New Loan Companies Revolutionizing Bad Credit Loans

What do you do when traditional financial institutions turn their back on you because of bad credit? Why worry when you have Focus Cash Loans in Canada, always ready to lend a hand? Let's delve into the world of bad credit loan companies and find out which loan company is best for bad credit in Canada.

What Are Bad Credit Loan Companies?

Bad credit loan companies specialize in lending money to individuals who have a less-than-stellar credit history. Why do these companies exist? To offer a financial lifeline when you're in a pinch. Focus Cash Loans is a prime example, providing payday loans with no credit checks. Yep, you read that right—no credit checks!

Which Loan Company Is Best for Bad Credit in Canada?

When it comes to which loan company is best for bad credit in Canada, Focus Cash Loans stands out for several reasons:

  • Fast Funding: Applications are processed within an hour during business hours.
  • Digital Process: Apply 24/7, no need for faxing or scanning documents.
  • Almost No Refusal: Approval is almost guaranteed if you meet the basic lending guidelines.

So, if you're in Ontario, BC, or Alberta, and you're in a jam, look no further!

How Does Focus Cash Loans Differ From New Loan Companies in Canada?

Alright, so you may be wondering, how does Focus Cash Loans compare with new loan companies in Canada? Well, we've been around since 2008. That's years of experience in understanding your needs and providing loans responsibly.

Why Choose Focus Cash Loans for Bad Credit in Cities like Toronto, Ottawa, and Vancouver?

Ah, the perks of city life in places like Toronto, Ottawa, and Vancouver! But high living costs can sometimes lead to financial hiccups. Why should you pick Focus Cash Loans? Because we're accessible in major cities across Canada, providing the same excellent service whether you're in Ontario, BC, or Alberta.

A Quick Glance at the Application Process

Steps Description
Apply Online A simple, straightforward online application available 24/7.
Instant Verification No waiting around; your banking activity is instantly verified.
Approval Usually takes less than an hour during business hours.
Receive Funds Via e-transfer, typically within 30 minutes of approval.

Don't sweat it; it's as easy as pie!

How Does Repayment Work?

The beauty of Focus Cash Loans is in its transparency. Loan repayment is debited from your bank account on your next payday. So, when you're in Hamilton or Markham and your payday is around the corner, we've got you covered.

What About Fees and Additional Charges?

Let's talk turkey. The loan fees are $15 for every $100 borrowed. And if a payment bounces back? There's a minimum NSF fee of $25. No hidden fees or unpleasant surprises—what you see is what you get.

Who Qualifies for a Loan from Focus Cash Loans?

If you're pondering who can get their hands on a payday loan from us, let us clear the air. To qualify, you've got to be employed or receiving income from specific sources like Employment, EI, or Worker's Compensation. Plus, you've got to be at least 19 years old and have a functional bank account where your income is deposited. Easy-peasy, right?

When Can You Expect the Funds?

Timing is everything, especially when bills are piling up or unexpected expenses arise. When you apply during business hours, you can typically expect to see funds in your bank account in as little as 30 minutes after approval. That's right, folks—quick and efficient, just how we like it!

Safety and Security Measures

Now, what about keeping your information safe? You can breathe easy knowing that Focus Cash Loans employs Transport Layer Security (TLS) best practices. Your data is secure, and we won't share it with third parties, unless it's for the loan process. So, whether you're in Red Deer or Lethbridge, you're in safe hands.

Payday Loans Vs. Other Types of Loans

While we specialize in payday loans, it's good to understand your options. You may come across personal loans, unsecured loans, or even instant funding loans. However, payday loans are what we do best, offering you a financial cushion until your next payday. No long-term commitments, just short-term relief.

What Happens If You Can't Repay On Time?

Life can throw curveballs, and sometimes you might find it challenging to repay on time. What then? If a loan payment is returned as NSF, you'll incur a minimum fee of $25. You'll need to get in touch with our customer service and arrange to repay the balance, including the NSF charges, via email money transfer.

Weekend and Emergency Loans

Guess what? The need for emergency funds doesn't stick to a 9-5 schedule. So whether it's the weekend or a dire emergency, Focus Cash Loans is available 24/7. That means you can apply for a loan no matter what time it is, and if it's during business hours, approval is usually within an hour.

Provincial Regulations and Focus Cash Loans

Payday loan regulations can differ depending on the province you're in. For instance, in Ontario, Alberta, and British Columbia, the maximum interest rate is $15 per $100 borrowed. We're a licensed payday loan lender, abiding by both provincial and federal regulations, offering fair and legally compliant lending services.

A Brief Look at Cities We Serve

  • Ontario: Toronto, Ottawa, Mississauga …
  • British Columbia: Vancouver, Surrey, Burnaby …
  • Alberta: Calgary, Edmonton, Red Deer …

Whether you're in bustling Toronto or scenic Vancouver, Focus Cash Loans is your go-to lender for payday loans.

Why No Credit Checks Make a Difference

So, why does the absence of credit checks matter? Traditional lenders usually take one look at a bad credit score and show you the door. But here at Focus Cash Loans, we believe in giving you a chance based on your current financial behavior. This makes us one of the best loan companies for bad credit.

How to Track Your Loan Application

How can you keep tabs on your loan application? That's a breeze with us! We offer a personal customer's page where you can track the progress of your loan application. So whether you're in Medicine Hat or Grande Prairie, you're never in the dark.

What Does 'Almost No Refusal' Mean?

You might be wondering what 'almost no refusal' means. While approval is almost guaranteed if you meet our basic lending guidelines, applications can still be denied for specific reasons. Things like new bank accounts with no activity or multiple NSFs can be deal-breakers.

How to Make Repayments If You've Missed the Deadline

Missing a payment deadline isn't the end of the world. How can you make it right? If a loan payment is returned due to NSF, you can contact our customer service. You'll need to repay the balance, including the NSF fees, through an email money transfer. We aim to make the process as straightforward as possible.

Unique Features of Focus Cash Loans

We've got a few aces up our sleeve that set us apart:

  • Express Funding: We mean it when we say you'll usually get your money within 30 minutes of approval.
  • Direct Lender: No middlemen here, which means a smoother process for you.
  • Availability: We're here for you 24/7, so whether it's an urgent need or a weekend emergency, we've got you covered.

Why Focus Cash Loans is Your Best Bet in Alberta, BC, and Ontario

If you're in Alberta, BC, or Ontario, why should Focus Cash Loans be your first choice? Simple. We understand the specific payday loan regulations in these provinces and tailor our services accordingly. Whether you're in Calgary, Edmonton, or anywhere else, we've got your back.

What to Watch Out for to Be Eligible

What should you avoid to ensure your loan application sails through? Multiple NSFs, stop payments for other loans, or paychecks not being deposited into your bank accounts could make you ineligible. So keep an eye out!

How Transparency Sets Us Apart

How do we ensure you know exactly what you're getting into? By making sure all loan agreements clearly state the due dates, which should align with your payday. And if there's a mistake or a change in your pay dates, we can adjust the due dates accordingly.

What You Need to Apply for a Loan

So, you've decided that a payday loan is the way to go. What do you need to apply? Just some basic personal and employment details, and you're good to go. No invasive questions or complicated paperwork—just straightforward, honest lending.

How to Get a Loan If You're in Smaller Cities

You might be wondering, how can you access our services if you're not in one of the major cities like Toronto or Vancouver? Don't fret; our entirely digital application process is accessible no matter where you are in Canada. From Airdrie to Spruce Grove, we're just a click away.

Why Age and Employment Matter

You've got to be 19 years old to apply, but why is that? And why do you need to be employed or have a steady income? These are basic requirements to ensure you're capable of repaying the loan. We abide by federal and provincial laws to provide responsible lending.

What Are the Limits and How Do They Work?

You might be curious about how much you can borrow. We offer loans from $100 up to $1,500, but it's subject to provincial and federal payday loan regulations. Also, the maximum you can borrow is capped at $1,500 or 50% of your paycheque.

Nobody likes to think about it, but what happens if you can't repay the loan? Unpaid loans may lead to legal debt collection, civil court action, and reporting to credit bureaus as delinquent. It's something we all want to avoid, so it's crucial to review your loan agreement carefully.

How to Contact Us for Any Queries

If you've got questions, how can you reach out to us? Our customer service is always available to provide the answers you need. Whether you're dealing with repayment issues or have questions about the application, we're here to help.

What Makes Focus Cash Loans Stand Out Among Bad Credit Loan Companies?

To wrap it all up, why should you choose Focus Cash Loans over other bad credit loan companies? We offer:

  • Same-day processing during business hours
  • No credit checks
  • Almost guaranteed approval if you meet our criteria
  • A completely digital, hassle-free application process
  • Fast funding, usually within 30 minutes of approval


Life's full of ups and downs, and when you're in a tight spot financially, you need a reliable partner to help you out. Focus Cash Loans is that partner, offering almost guaranteed payday loans to Canadians from coast to coast. With our straightforward application process, almost instant approvals, and quick funding, we're the go-to solution for your short-term financial needs.

Which Loan Company is Best for Bad Credit in Canada? Your Comprehensive FAQ on New Loan Companies, Bad Credit Loans, and More

1. What Makes a Loan Company the Best Choice for Bad Credit in Canada?

When you're grappling with bad credit, finding a loan company that caters to your needs can be a lifesaver. The best loan companies for bad credit offer almost guaranteed approval, no credit checks, and instant funding. They operate 24/7, allowing you to apply online anytime, anywhere in Canada. With a quick, faxless application process, these companies provide a convenient solution for urgent financial needs.

2. How Do New Loan Companies in Canada Compare to Established Ones?

New loan companies may offer innovative features, but established ones have years of experience and a proven track record. They understand the nuances of lending in Canada and offer a personalized approach to each loan application. With almost no refusal, they provide loans for all types of income, including employment, disability, and pension.

3. Who Can Apply for Bad Credit Loans?

Almost anyone can apply for bad credit loans, provided they meet the basic requirements. You must be at least 19 years of age and have a steady income source, such as employment or benefits. A functional bank account is also necessary for the e-transfer of funds.

4. Why Choose a Direct Lender for Bad Credit Loans?

Opting for a direct lender simplifies the loan process, removing the middleman and any additional fees. Direct lenders offer almost guaranteed approval and instant funding, making them the fastest and most straightforward option for securing a loan.

5. When Can I Expect to Receive the Loan?

If you apply during business hours, you can expect to receive the loan amount via e-transfer within 30 minutes of approval. This quick turnaround is crucial for emergency situations, making these companies the go-to for urgent financial needs.

6. How Do I Apply for a Bad Credit Loan Online?

Applying for a bad credit loan online is easy and takes just a few minutes. You'll need to fill out a secure application form with basic personal and employment details. Once submitted, approval usually takes around 30 minutes during business hours.

7. Where Can I Get a Bad Credit Loan in Canada?

You can apply for a bad credit loan from anywhere in Canada, thanks to the online application process. Whether you're near a city or in a remote location, as long as you have internet access, you can apply 24/7.

8. What Are the Repayment Terms for Bad Credit Loans?

Repayment terms are straightforward. The loan amount, along with a fee of $15 per $100 borrowed, is debited from your bank account on your next payday. If you miss the deadline, you'll incur a minimum NSF fee and will need to arrange for an alternative repayment method.

9. How Can I Improve My Chances of Approval?

To improve your chances of getting approved, make sure your bank account shows regular income deposits and minimal NSF activity. Having a stable income source, whether from employment or benefits, also boosts your likelihood of approval.

10. What Happens If I Can't Repay the Loan on Time?

If you can't meet the repayment deadline, it's essential to contact customer service immediately. You'll be charged a minimum NSF fee and will need to arrange for the balance to be repaid via e-transfer. Failure to do so could lead to legal complications and negative credit reporting.

By understanding these aspects, you can make an informed decision when choosing a bad credit loan company in Canada. Whether you need fast cash for an emergency or are looking to cover expenses until your next payday, these companies offer a reliable and convenient solution.