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!πŸ‘πŸ‘πŸ‘
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

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 a Bad Credit 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 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.

Get a Bad Credit Loan from the leading provider since 2008.

Is A Bad Credit Loan Right For You?

Have you ever considered a bad credit loan? If you have not, then maybe you should. Many people hit a fork in the road and just don’t know which way to go? Life is sometimes like that. The unexpected happens, and we barely have enough money to pay the bills. Like a lot of Canadians, the slump of the economy shows through their credit scores. Bad credit has kept many consumers from getting of that bump in the road. Does this sound like you? Have you been employed for at least 2 months and have a bank account? If the answer is yes, you may be a candidate for a bad credit loan. Many consumers question if there is really loans available to people with bad credit. Does this sound like you? The honest answer is yes; there is help in arms reach! There are actually loans available to help working consumer make it till their next payday. Believe it or not, a loan for people with bad credit can obtain loans that can be used for home improvements, car repairs, getting a new vehicle, or anything that is holding you by your owns. There is light at the end of the tunnel!

Grand Entrance of Your Bad Credit Loan

A payday loan is an advance on your paycheque. The advance is not solely based on your bad credit but more towards your ability to pay it back. Any one with bad credit would agree that a payday advance is more manageable than paying high interest on cash advances from a credit card as well as NSF fees associated with over-drafting your bank account. Many bank accounts do not allow you to overdraft your account if your FICO score is not sufficient. The credit guidelines proposed by banks are stricter than payday loans. If you have access to a computer with the Internet, you could have your money in your bank account as little as a few hours. With a bad credit loan, you are able to avoid the hassle of line at the bank. Where else could you receive such speedy service? A payday loan takes the pain and embarrassment of stepping into a bank. With the normal hustle and bust of the day, who has the time to spend in a bank lobby? Processing for traditional unsecured loans can take anywhere from 10 (ten) to 30 (thirty) days. If you need to pay a light bill before disconnections or have money for daycare, 10 to 30 days can seem like an eternity. The process for obtaining traditional loans can be outdrawn and overwhelming compared to a bad credit loan. Banks dig into your entire personal history and leave nothing to the imagination. It can sometimes feel like you are jumping through hoops to receive the loan. A payday loan can give you back your financial confidence. Payday loans only allow you to borrow only what you can payback. Generally, traditional bank loans typically give you more than you need. In the long run, on a simple loan, you a stuck in an agreement on a simple loan, for longer periods of time than cash advance. In addition to the employment and bank account, you have to be at least 19 years of age with a valid phone number where you may be reached in order to receive your bad credit loan. If you meet these minimal requirements, you can get your loan started today! Payday advances ranges from $100 to over $1500. Remember to always borrow responsibly with cash advances.