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 Loan In Ontario

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 Loan In Ontario 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 Loan In Ontario since 2008.

Bad credit loans in Ontario can be a great solution for individuals who need quick and easy short-term loans. Focus Cash Loans is an online payday loan company that was founded in 2008 and provides residents of Ontario with instant approval for loans. To qualify for a payday loan with Focus Cash Loans, one must be employed or receiving income such as EI, Worker's Compensation, CPP, or Private Disability and have a bank account where that income is deposited. You must be 19+ years old and have a phone number that you can be reached at. The minimum income requirement is $1,200 per month. Focus Cash Loans does not run credit checks, so even those with bad credit, no credit, or past bankruptcies can apply. The loan fees are $15 for every $100 that you borrow and the loan must be paid on the next payday. If you qualify, you can also choose an installment repayment plan over 2 to 3 installments up to 62 days. Our application process is fully digitized and you can receive your funds via email money transfer in as little as 30 minutes. Apply today and get the financial help you need in cities like Toronto, Windsor, Hamilton, London, and more.

Ontario's Bad Credit Loan Leader

Easy online loan application: Obtaining a bad credit loan in Ontario has never been easier thanks to online loan companies like Focus Cash Loans. Their fully digitized loan application process is simple and straightforward, allowing customers to apply for a loan from the comfort of their own home. No need to scan, email, or fax any documents, the entire process is done online.

Super-fast loan approval: Focus Cash Loans understands that customers may be in urgent need of funds, that's why they offer super-fast loan approval. The loan application will be processed the same day you apply for the loan (if you apply during their business hours), usually within an hour.

Responsible lending: Focus Cash Loans takes responsible lending very seriously. They do not run credit checks, and do not disqualify customers based on bad credit, no credit, or past bankruptcies. Their loan decision is based on the customer's banking activity.

Simple repayment options: Focus Cash Loans offers a variety of repayment options to suit customer needs. The loan must be paid on the next payday, but if customers qualify for an installment repayment plan, they can repay their loan over 2 to 3 installments up to 62 days.

Privacy concerns addressed: Focus Cash Loans takes customer privacy seriously. They have strict security measures in place to protect customer information and they do not share customer information with third parties. Customers can rest assured that their personal information is safe and secure with Focus Cash Loans.

Understanding Bad Credit

Definition of bad credit: A person with bad credit finds it challenging to get credit from conventional financial institutions because of a low credit score or a history of missed payments, defaults, or bankruptcies. Missed payments, significant debt, and a lack of credit history are just a few of the things that can lower your credit score.

Explanation of bad credit loans: Bad credit loans are forms of credit that are made especially for people with bad credit. Most of the time, alternative lenders like online payday loan companies like Focus Cash Loans offer these loans. The interest rates and fees for these loans may be higher than those for traditional loans.

Fees and repayment alternatives: Loans for people with bad credit may have higher fees and interest rates than other types of loans. Focus Cash Loans, for example, charges $15 for every $100 borrowed, and the loan must be paid back on the next payday. However, if a customer qualifies, they can pay the loan back in 2 to 3 installments over up to 62 days.

Improving credit score: Increasing your credit score is a process that requires both time and effort. Credit scores can be improved in a number of ways, including prompt payment of bills, reduction in debt, and maintaining a balanced range of credit.

When to use bad credit loans: Bad credit loans should only be used when all other options have been tried and failed. They are best used in emergencies, like when you need to pay for medical bills or car repairs that you didn't plan for. Before getting a bad credit loan, you should think about the fees and interest rates and have a plan for paying the loan back on time.

Types of Bad Credit Loans in Ontario

Online cash advance for emergencies: An online cash advance for emergencies can be a great way to pay for expenses that come up out of the blue. You should always have a plan for unexpected bills, and an emergency online cash advance can give you the fast cash you need to get through tough times. With online lenders like Focus Cash Loans, you can get the money as soon as 24 hours later.

Online payday loans can be a great way to get the cash you need between paychecks quickly and easily. These loans are meant to help you pay for unexpected costs. With a minimum monthly income of $1,200 and a lender like Focus Cash Loans, you can get the money you need.

No credit check loan: Sometimes life throws you a curveball, and your credit score may not be in great shape. But that doesn't mean that you shouldn't have any choices. No credit check loans can be a great option for people with bad credit. With Focus Cash Loans, you don't have to worry about your credit score because they don't run credit checks and make loan decisions based on the customer's banking activity.

It's important to keep in mind that loans should be used wisely and as a last resort. But if you find yourself in a tough financial situation, you should know that you have options. No matter what your credit score is, if you find the right lender, you can get the cash you need quickly and easily.

How Focus Cash Loans differs from traditional lenders

Easy qualifications: Focus Cash Loans offers a simple and easy qualification process for bad credit loans. They do not run credit checks, and their loan decision is based on the customer's banking activity. This means that even those with bad credit, no credit, or past bankruptcies can qualify for a loan. This makes Focus Cash Loans a great option for those who may not qualify for a loan with traditional lenders.

Quick funding: With Focus Cash Loans, you can get the cash you need quickly and easily. They process loan applications the same day you apply (if you apply during their business hours), usually within an hour. Once your loan application is approved, you will receive funds via email money transfer (usually takes about 30 minutes to receive the transfer) which is the fastest way to receive the funds in Canada.

Online application process: The application process for bad credit loans with Focus Cash Loans is fully digitized, which means you can apply for a loan from the comfort of your own home. You don't have to scan, email, or fax any documents, which makes the process faster and more convenient.

Flexibility in use of funds: With a bad credit loan from Focus Cash Loans, you have the flexibility to use the funds for whatever you need. Whether it's for unexpected expenses, medical bills, or even home repairs, the choice is yours. This flexibility makes Focus Cash Loans a great option for those who need a loan for various reasons.

All in all, Focus Cash Loans offers a great alternative to traditional lenders, they offer easy qualifications, quick funding, online application process, and flexibility in use of funds. These benefits make them a great option for those in need of a bad credit loan in Ontario.

Best Loans for Bad Credit

Comparison of loan options: When it comes to bad credit loans, it's important to do your research and compare the different loan options available. One great option is Focus Cash Loans, they offer loans ranging from $100 to $1500, with no credit check and simple qualifications. They process loan applications the same day you apply, usually within an hour and funds can be received via email money transfer in as little as 30 minutes. They also offer flexibility in use of funds, so you can use the loan for whatever you need.

Another option to consider is a secured personal loan, where you put up collateral such as a car or a savings account in exchange for a lower interest rate. A co-signed loan is another alternative, where a friend or family member with good credit co-signs the loan with you.

It's important to shop around and compare the different loan options available to you. Each loan has its own set of pros and cons, so it's essential to consider the fees, interest rate, and repayment terms before making a decision. Focus Cash Loans is a great option for those looking for quick and easy bad credit loans in Ontario.

Application Process

Reviewing finances and credit score: The first step in the application process for bad credit loans is to review your finances and credit score. This will give you a clear picture of where you stand financially and what options may be available to you. Knowing your credit score will also help you when comparing lenders and their terms and conditions.

Comparing lenders: Once you have a good understanding of your financial situation and credit score, the next step is to compare different lenders and their loan options. This will help you choose the best lender for your needs. Focus Cash Loans is a great option, as they do not run credit checks and their loan decision is based on the customer's banking activity.

Gathering necessary documents: Before submitting an application, gather all the necessary documents such as proof of income, ID, and bank statements. This will make the process faster and smoother.

Submitting application: Once you have all the necessary documents, it's time to submit the application. With Focus Cash Loans, the application process is fully digitized, so you can apply for a loan from the comfort of your own home.

Waiting for response: After submitting the application, wait for a response. Focus Cash Loans processes loan applications the same day you apply, usually within an hour.

Receiving funds: Once the application is approved, you will receive the funds via email money transfer (usually takes about 30 minutes to receive the transfer) which is the fastest way to receive the funds in Canada. With Focus Cash Loans, you can have the cash you need quickly and easily.