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 No 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 No 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 No Credit Loans since 2008.

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 lender's 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.

The 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. A 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 loses 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 in case the borrower defaults. The borrower of the money in a secured bad credit loan can get a 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 losing 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.