Get up to $1,500 into your bank account in 30* minutes!

How The Loan Process Works


Apply Online

Applying with Focus Financial is fast and easy, simply fill out our secure and easy application form.


Get Approved

Get approved for a loan in as little as 30* minutes during our regularly scheduled business hours.


  Instant Funding

Once approved, you can receive the funds via E-Mail transfer within 30 minutes*.

Why should you loan with Focus Financial? 

Trusted Lender

We have been supplying Canadians with short term loans for the past 10 years, come see why we are the preferred payday loan provider. 

Quality Customer Service

Got any questions? Please call or email us right away and our staff will guide you through the way.

High Approval Rate

Every application is based on a per person basis and all circumstances are taken in to consideration.            

Fast Turn Around

We strive to process your loans application within minutes and get the money you need right away.

No Faxing Required

Send us your documents the fastest way possible by using our online verification.

Easily Apply Online

In less than 5 minutes your application can be submitted to be processed for your same day loan.

The Availability Of Bad Credit No Credit Loans To People With Debt

Financial security is paramount in everybody’s life. But every now and then, people always find themselves in a financial nightmare. Ten million people in America have bad debts. Bad debt is a growing issue in America today. It so happens that even if you have bad debts, you need to pay your bills and life has to go on. Borrowing becomes an option to a person suffering from bad credit. In the past the places you could probably borrow money was the bank or from individuals. The bank gets into your financial history and checks how you have been fairing. If you were found to have bad credit then you could not get a loan. Today there are companies that give people bad credit no credit loans.

Bad Credit No Credit Loans More Flexible

A bad credit no credit loan is a loan given to a person with a bad financial history. The lender of the money does not check the lenders financial history to give or deny him the loan, but to establish how much money the borrower can be able to pay back. He also needs to come up with a rate of interest. The rate of interest may depend on the financial history of the person borrowing the money. The money lenders are not under any obligation to give a rate of interest advertised. A person with a far worse bad credit can get his or her rate of interest higher than a person with a better history.  However, the lender is supposed to give 2/3 of the borrowers the rates as advertised. So it is very likely to get the rates as advertised.

Picture of Bad Credit No Credit LoansThe availability of collateral may also affect the rate of interest. The person borrowing the money should do a research and get to know the money lenders who are offering the best rates. The information about the lender can be found online. This method of borrowing money is quite fast because you just need to fill an online form and send it to the lender. The lender evaluates your application, verifies the truth about your records and identity and if the lender approves your loan then he sends the money to your bank. This process will just take hours and you can have your money before the end of the day.

There are two types of bad credit no credit loans. Secured bad credit no credit loans and unsecured bad credit no credit loans. Secured bad credit loan is a credit that is given to a borrower with a property or any other valuables given as collateral to secure the loan. The prove of ownership is given to the person lending the money and in the event that the borrower fills to pay the money the borrower looses ownership of the proper to the lender and the lender is at liberty to do whatever he or she wants with the property including liquidating it to recover the money owed. This kind of loan has a lesser interest rate because the lender of the money has a security he can hang on incase the borrower defaults. The borrower of the money in a secured bad credit loan can get 125% loan on the value of the money he or she has put as collateral. One should check the terms and conditions well before getting this kind of loan for there is that risk of loosing your property. The other type of loan is the unsecured loan for bad credit. With this kind of loan, one is not obligated to give out anything as collateral once the loan is approved the money is yours to spend. Lenders prefer employed people as they are easier to reach out.

Bad Credit No Credit Loans Video