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 a Loan from Bad Credit Loan Company

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 Focus Cash Loans is the Best Bad Credit Loan Company ?

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 Bad Credit Loan Company since 2008.

What To Look For In A Bad Credit Loan Company

Bad credit loan companies are so many in this country. All of them have one aim, and that is to help out those who have financial needs yet they have a bad credit already. It is possible to have a bad credit and financially needy at the same time, and this is what a bad credit loan company believes in, because they are able to help out individuals of this kind financially hoping that they will be paid in future. Since there are so many and you only need one, which is unique as per your financial needs, you have to make a choice out of them all. That is why you need to know what to look for so as to make a wise choice.

A bad credit loan company should have such loans services. It should be a company that offers loans to bad credit borrowers. If you have a bad credit and you are in need of a loan, you need to identify with a money lending company that can be of help to you since not all of them deal with bad credit loans. If the company you are already eying has such services, then you can put it into the list of the many options that you have to choose from. Bad credit loans services are important to person in search of the loans.

Factors To Consider When Choosing A Bad Credit Loan Company

A bad credit loan company needs to have a good reputation in the issuance of that kind of money. It should be a company that many people can recommend, at least what your relatives, friends or even colleagues at work have sought for help from and they have not been disappointed. If it is an online money lender, it should show positive feedback from its past clients, showing how excellent the company’s services are and the reasons why people should result to the company when they are in need of bad credit loans. This is what the reputation of the company is all about. With so many fake money lenders out there, you need to be as careful as possible in order not to land into a fake, but the best company.

A bad credit loan company of your choice should have better repayment terms as well as the best interest rates ever. Even if you are borrowing the money, you deserve the best terms and conditions since you will be paying the money back anyway wit an interest. A company that is charging so much as interest simply because you have a bad credit already is not the best because you deserve the best even with a bad credit. Most of the money lenders operating online have better terms and conditions and they may help you save so much on what you could have paid in the end. After all, you have enough financial problems already and you do not want to add to them all.

I also consider a bad credit loan company that is transparent as to the charges they levy to their customers as the best. There are those companies which have hidden charges, and these could make you pay so much money afterwards, more than you are supposed to pay. But there are those companies which are straightforward in the way they charge their customers, and they will tell you there and then the much you will be expected to pay in the end. It is true that you are borrowing the money, but you deserve to pay what you are supposed to pay and nothing more, that is why you need to make a wise choice when looking out for a company to borrow from.