Get up to $1,500 into your bank account in 30* minutes!

How The Loan Process Works


Apply Online

Applying with Focus Financial is fast and easy, simply fill out our secure and easy application form.


Get Approved

Get approved for a loan in as little as 30* minutes during our regularly scheduled business hours.


  Instant Funding

Once approved, you can receive the funds via E-Mail transfer within 30 minutes*.

Why should you loan with Focus Financial? 

Trusted Lender

We have been supplying Canadians with short term loans for the past 10 years, come see why we are the preferred payday loan provider. 

Quality Customer Service

Got any questions? Please call or email us right away and our staff will guide you through the way.

High Approval Rate

Every application is based on a per person basis and all circumstances are taken in to consideration.            

Fast Turn Around

We strive to process your loans application within minutes and get the money you need right away.

No Faxing Required

Send us your documents the fastest way possible by using our online verification.

Easily Apply Online

In less than 5 minutes your application can be submitted to be processed for your same day loan.

Getting Loans Despite Having Bad Credit Loan Reviews

Most people have been affected by the harsh economic times in Canada and this is why people no longer look down on those who get loans but are instead looking for ways to get a loan themselves. A loan helps out people to not only sustain themselves but also to better their lives in a way they could not do if they waited for a salary bump or if they saved for a really long time. Bad credit loan reviews however discourage people from even seeking a loan. What many people don’t know is that these days even those whose credit are termed as bad can get loans in Canada.
The reasons for someone to have bad credit are many ranging from having to pay home mortgages to being laid off abruptly to a drop in the market for a particular business but this does not have to put one down, it should\d be a wakeup call and a harsh reminder that something has to be done in order to survive. When one finds that they can’t even buy the most basic things such as groceries then they really have to get a loan despite having bad credit loan reviews. These loans might not make the borrower a millionaire, but they may even help to reduce the amount of credit owed. The loan may also be used to better the life of the borrower.

Picture of Bad Credit Loan ReviewsEligible To Getting A Loan Even With Bad Credit Loan Reviews

There was a time where banks and other financial lenders would not even think of giving out loans to people with bad credit loan reviews but this is no longer the case because more banks are embracing the fact that even those with bad credit would make a credible investment. They have come up with a system that suits them and the lender and one that ensures that their customers get what they deserve. This is where the system of secured and unsecured loans in Canada came from. These are the two basic loans that one can acquire cheap and fast in Canada if you have a bad credit loan history. They can both help you out when all the other means of getting money have failed you. The other good thing about these two types of loans is that they can be applied for online.
For secured loans, one is required to offer something as collateral in order to reduce the risk of payment on the lenders part. This could be property or a vehicle or anything else of great value which amounts to the value of the loan or more, but never of less value. This does not favour all since not everyone has something of value to offer in order to get the loan. The advantage of this however is the fact that the payment history and the terms of payment are very favourable to both the lender and the borrower despite the bad credit loan reviews. This is because the lender has no worries about the payment, due to the collateral they given by the borrower. These terms may include an extension in payment and low interest rates.
However this is different when it comes to unsecured loans for people with bad credit loans reviews. First of all unsecured loans do not require the borrower to pay collateral. Because of this, the lender faces a risk in lost and has to therefore give a limited time for payment. The .lender has to come up with the money over a short period of time and they have to pay with high interest. Despite all this, it’s an advantage to have options even if your credit review is bad.

Bad Credit Loan Reviews Video