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 People

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 People 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 People since 2008.

Bad Credit Loan People Have Only One Option Available When It Comes To Applying For A Loan

If you are swimming in a wave of debts, and your credit history is worse to a point where it becomes impossible to secure a loan, the only option that you have is to apply using your assets so that the lender you will apply with can lend you the loan knowing that their money is secured. This is called the secured bad credit loan option. The bad credit loan people have no other alternative to apply for a loan and be given expect for the giving out of their assets, so if you have no asset to secure the loan you are asking for with, it might be a bit difficult get yourself a loan.

What these assets do is they serve as collateral, so that the lender can relax knowing that even if you will not be able to pay them their loan in time, they have an asset of yours that they are able to sell and get the same money they loaned you in return.

Companies That Help Bad Credit Loan People Secure A Loan Despite Their History

Here in Canada, there are companies that help in providing bad credit loan people with a loan even if they have a credit history that is not so much trusting. These companies have connections to the right subprime lenders who are able to give you your desired amount of loan and then allow you to use it and pay them later when you are comfortable and able to return what you borrowed, this should be the agreed time and not anytime later than this.

Companies such as cash advance payday loans, zippy cash and many others use the only option available for bad credit loan people, which is the securing of an asset before a loan is approved to ensure that you get what you want without having to go through a lot of hassle. They also allow you to get the same loan even without the reviewing of your credit history, so it becomes easier to secure it and even pay low interest rates in the process of paying back your loan.

Another option available is the unsecured bad credit loan which is rarely given because of the lender not having any security that the money given will be returned. If all the bad credit loan people could avoid this option, then it is quite clear that they will be getting the loans that they have applied for without any hesitation so long as there is an asset to serve as collateral. This option is not used by any lender; it is only among the options because of those with a relatively good credit history who can be given loans without any security option for they are creditworthy.

It is a bit hard to secure a loan if you have a bad credit history and you are looking for a lender to approach directly. They might not approve of your loan due to lack of trust, but if you go through a company, it will be much easier as they understand bad credit loan people have a problem when it comes to securing a loan. That is why they have the payday loan service where they ensure that your loan history is not checked and you get a loan approval faster and with less hassle. If you wish to go directly, ensure that you have an asset which can be used as collateral and it is equal to the amount of loan that you wish to apply for.