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 Today

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 Today 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 Today since 2008.

Revolving Door of Needing Bad Credit Loans Today

What does having good credit feel like? This might seem like a trick question to a lot of Canadians. If you don’t know the answer to this question, the joke is not on you. If bad credit loans today is what you have running through your mind, you know first hand how hard it is to secure a loan without collateral or acceptable credit. Although many Canadians don’t know what good credit feels like, the feeling of bad credit is floating through the streets like a contagious virus. It is grabbing hold to everyone and everything in its path. There is no antivirus pill that is available to fix bad credit fast. If there were, it would be off the shelves as soon as it is put out. I know many would buy several stashes for a rainy day. How about you? It is like a bad record playing in your ear…”bad credit loans today” over and over again. What can you do to stop it? The first step to resolving the problem is starting with what caused it. This has to start with you. If you are ready for improvement, pull out your mirror.

Getting over Needing Bad Credit Loans Today

Payday advances is a loan that typical bad credit households have had to utilize one time or another. They are very convenient when you need them and they come in the right knick of time. Especially when you really need the money fast. Although they are very reliable when you need them, no one wants to have to ALWAYS think that when problems arise, they need bad credit loans today. Everyone wants to improve and with improvement comes better credit. The first step to fixing your bad credit woos is to improve how you pay your bills. Regardless if it is going to reflect on your credit report or not, you should always practice good payment habits. Why wait? You should start now! It feels good to walk into a bank, confident that your application WILL be approved. The confidence that you have in yourself is greater than any intimidation tricks that the loan officer may try to do. If you search for bad credit loans today, your clothing choice makes no difference. Many people think that if you go to the bank dressed to impress and appear as if you have decent credit, this could possibly influence your loan application in some way. I am here to tell you that this makes no difference what so ever. An improvement in your credit score is the only thing that is going to get you to graduate up to low interest personal loans. It is not going to be easy but if you can make a couple of sacrifices, you can make the transition much easier from always having to rely on bad credit loans today. Changing the way you spend as well as pay debts is the only way to get on track with your goals of wanting better credit. What could an improvement for your credit score mean for you? It could be that new job. Many years ago, checking your credit was only done when you request credit. This is not the case now. Bad credit could stop you from securing a higher paying job. If you had better credit, that new mortgage might suddenly become reasonable with ability to get a lower interest rate. There are so many advantages to having good credit. Until you are in the position to enjoy those benefits, you could still get approved for bad credit loans today.