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

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 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 since 2008.

Do you need a loan but cannot qualify? Has your bad credit kept you from staying afloat? The doors of financial opportunities are not entirely hopeless because of your bad credit. The cost of living for Canadians is steadily rising. There are options available to you.

If you are a homeowner or own some other valuable collateral, it can aid you in obtaining a loan if you have bad credit. There are many disadvantages of obtaining a secured loan. Do you really want to risk losing your home or valuable possessions if you fail to pay back the loan? There are thousands of Canadians facing the same exact dilemma. Bank loan terms are normally 2 to 5 years. Administrative fees as well as application fees will be calculated over this term as well. It is time to investigate bad credit loans.

Hello Bad Credit Loans.

There is no need to fret because of your bad credit woos. Payday loans allow making ends meet possible. A payday loan is also referred to as a payday advance. It is a short-term unsecured loan that is to be repaid at the borrowers next payday. These types of bad credit loans are convenient and flexible. The greatest overall advantage of these types of bad credit loans is the ability to receive your money fast. When your back is against the ropes, time is something you simply do not have. Bad credit loans give you the opportunity to be ready for the unexpected. The unexpected can be an overdue bill, flat tire, child-related expenses, etc. If you are a member of a lower class or middle class family, things can become difficult when living from pay period to pay period.

Approval for traditional bank loans can take anywhere from 10 to 30 days. Payday loans are disbursed within 24 hours. It is because of this feature that has made payday loans preferred among consumers. The application process for bad credit loans is simple and eligibility criteria are minimal. Even if you are in bankruptcy, bad credit loans are the perfect option. The requirements are:

-Employed for at least two (2) months
-Have a bank account in your name
-A valid telephone number where you can be reached
-At least 19 years of age
-Have a valid social insurance number

If you meet these requirements, getting your next loan will be a breeze. If you are reading this article, it is likely to believe that you have access to a computer with access to the Internet. You have the best tool available to find bad credit loans. The money can be in your checking account in a matter of a few hours! Payday loans are ranged from $100 to $1500. Be aware that there are fees associated with these types of loans. The fees are still cheaper than costly NSF and interest fees from the banks. Many individuals clinch their teeth in thoughts of getting cash advances from their credit cards. The interest that adds up makes these options less favorable amongst consumers. Remember payday loans are intended for short term lending in opposed to bank loans.

All bad credit loans can be paid back early in order to avoid certain fees This in return will make the loan more manageable. The payment is automatically deducted from your bank account on the assigned due date. You are only allowed to borrow one loan per pay period. You are allowed to renew your loan. You are still required to pay the fees associated with you loan while maintaining the principle loan amount. Remember payday loans are alternatives to traditional loans. Borrow only what you can repay back. Remember to borrow responsibly when using bad credit loans.