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 Loans Canada

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 Loans Canada 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 Loans Canada since 2008.

Anyone Can Qualify To Get Bad Credit Loans Canada

Canada is a country in which many money lending institutions believe in individual needs and not their credit status. The money lending institutions believe in the repayment ability of a person even if they have a bad credit already, which is not a big issue anyway. Canada is a country where you can easily qualify for bad credit loans Canada even when you have a bad credit. Most money lenders in the country offer loans even to these people with bad credits, therefore it is very easy for people with such needs. An online search for the money lenders dealing with these kinds of loans will get you what you really need in Canada.

It Is Simple And Easy To Get Loans With Bad Credit Loans Canada

Students for instance do not need credit in order to get loans. Even students with a bad credit can qualify for bad credit loans Canada. Students have so many needs, most of which require so much money in order to be well catered for. Some of these students come from families which are very poor, and they may need financial back up from time to time in order to make it through, maybe in college. Tuition fees, research costs, the cost of all reading materials the student may need and so many other needs. That is why it is likely that a student will need financial backing up from money lending institutions even if they still have so many other loans that need to be repaid.

Parents are also a group of people who need bad credit loans Canada. Bringing up a family requires so much money, most of which parents cannot come up with. Some parents do not even have better paying jobs, therefore theythey have to rely on loans to meet some of the needs they need in their families, like education needs. House bills are also an enough reason for a parent to look for a loan even when they are having a bad credit rating already. House rent, renovation or a mortgage are also a reason why a parent may need the loan for. In Canada, all these needs can be met, and a parent can be allowed to get more loans from many money lending institutions even in their bad credit situation.

A business person with a bad credit is also allowed to seek bad credit loans Canada. Running a business is not easy. If, for instance, you took a loan to start up a business and after some time, before repaying the first loan, you realize that you need money for the same business, there is no problem at all in seeking for another loan. Banks are a good place to seek for these loans in Canada, as well as the many credit unions and financial institutions that we have in the country. We also have online lenders who issue out these kinds of loans to business people even when they have a bad credit rating. Some do not even care about the credit rating as long as they can trust the borrower to repay back the money.

Actually, anyone can qualify to get bad credit loans Canada. Even individuals who need personal loans and they have a bad credit can get a loan from any money lending company in the country dealing with these kinds of loans. All you need to come out clean about your credit rating and the company may just trust that you will repay back the money in the end. It is even better if you can go to a company that you have history with. Some do not even care bout the credit rating; therefore there is no need to worry about that.