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 Loans Instant Decision

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 Instant Decision 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 Instant Decision since 2008.

Tug of War With Bad Credit Loans Instant Decision

Have you ever tried to acquire a personal unsecured loan? The process is excruciating and mind-boggling. The waiting game seems like it’s taking forever. If you have decent credit, this is a process that cannot be avoided. If you suffer from unsubstantial credit because of having no credit or if you are tied down with late payments and collection accounts, your bad credit loans instant decision is moments away. When many think of receiving an instant decision, their minds wonder straight to credit cards. Thanks to the improvements with technology, applicants with imperfect credit can also receive an instant decision for their loans. This is a wonderful feature because time is something you do not have when you have bills to pay and mouths to feed. Why should the loan department fall behind when all the other financial institutes are utilizing similar technology? This is something that as been needed in the bad credit department for a long time. Bad credit loans instant decisions can get the ball rolling on those projects you needed to complete.

Stay Prepped for Bad Credit Loans Instant Decision

What could you do with an extra $500 in your account tomorrow? Could that make life easier for you? For many Canadians, $500 could really repair the bridge that is needed for them to make it to their next payday. Money is hard to come by. When it is available, take advantage of the opportunity. Even with good credit, it is getting harder to be approved for loans. Many companies require that additional processing is required if your credit is not satisfactory. Bad credit loans instant decisions are not really possible with major private financial companies. It has happened to you before. You saw the advertisement for instant credit decision to only be told at the end of the application that you will receive a credit decision in the mail within 7 to 10 business days. Where does that leave you? Waiting by the mailbox everyday for the next week and Β½ is the normal behavior. The disappointing part is when you finally receive the letter to be told that either you have to follow other stipulations or simply they deny you for poor credit. Bad credit loans decisions are based off of minor requirements. If you meet the following minimum requirements, your instant decision for your loan will go more smoothly.

Do you have a bank account in your own name?
Are you current at least 19 years old or old?
Can you verify employment for the last 2 months?
Do you have a telephone number where you may be reached?

If you answered YES to all four (4) questions, your likelihood of you getting your instant decision for you loan is highly possible. Bad credit loans decisions do not have to be painful. If you gather all information that is required prior to the completion of your application, the process will be effortless. Be prepared to show evidence of the information that you submitted on your application. This would include information such as your bank account, address, as well as employment. With all loans, verification is apart of the process and should not be taken lightly. Your instant decision is solely based on the information that was provided in the application. Your loan amount, if approved will be based on the verification of information that you presented to the company. After your documents have been received, your funds can be in your account as fast as 24 hours. You cannot ask for bad credit loans decisions to be any easier.