Your Guide to Bad Credit Payday Loans

5-Minute Application With No Credit Check​

What Our Customers Have To Say

Read More
Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
Read More
The service was quick and customer service representatives were helpful and friendly.
Read More
Very professional, respectful and quick to answer questions or concerns.
Read More
Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
Read More
Customer service today was great answered all my questions and was great helping me with my banking issues.
Read More
First time using this company. Extremely fast service and no hassles. I highly recommend them!
Read More
Friendly fast and efficient. Great company to deal with and the application is straightforward.
Read More
I was in a real pinch. This was fast, easy and I got the funds I need quick. Sure beats any of those other services in Canada.
Read More
Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
Read More
Very quick online application and very friendly customer service.

3 Easy Steps

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

At Focus Cash Loans, we accept many types of income, including employment, benefits, and pensions. Apply now for fast and convenient loan service!

Employment Income

Child Tax Credit Benefits

Unemployment Insurance

Private Disability Insurance

CPP & Private Pension

Workers Compensation

Why Get a Loan 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

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.

Breaking Down the Walls: Your Guide to Bad Credit Payday Loans in Canada

Are you grappling with bad credit but still find yourself needing a financial boost? Well, you're in luck! We're here to tell you all about bad credit payday loans and how they can be a lifesaver in your time of need. At Focus Cash Loans, we specialize in offering payday loans for bad credit in Canada. So grab a seat and listen up; you won't want to miss this.

What Are Bad Credit Payday Loans?

Let's start off with the basics. Payday loans for bad credit are a particular type of short-term loan designed for people like you, who may not have the best credit score but still need financial assistance. Unlike other types of loans, we don't turn you away just because your credit isn't up to snuff. We focus on your current financial situation instead.

Why Focus Cash Loans?

"Okay, but why should I go with Focus Cash Loans?" you may ask. Here's why:

  • Almost No Refusal: Yes, you read that right! We have almost guaranteed approval.
  • 24/7 Availability: Need a loan in the dead of night? We're here for you.
  • Fast E-Transfer: Get your cash usually within 30 minutes of approval.

How Do You Apply?

Applying for online payday loans for bad credit with us is as easy as pie. No need to gather a mountain of documents or wait in long lines. Our application process is entirely online and goes like this:

  1. Fill out the Online Form: Just a few clicks and you're halfway there.
  2. Instant Banking Verification: No need for paperwork; we do it all digitally.
  3. Get Approved: In most cases, this happens within an hour during business hours.

Payday Loans for Bad Credit in Ontario

Ah, Ontario! Home to diverse cities like Toronto, Ottawa, and Hamilton. But no matter where you are in this great province, we're available to help. Whether you're in bustling Mississauga or the quieter parts of Brampton, our bad credit payday loans in Ontario are just a click away.

How Much Can You Borrow?

So, how much dough are we talking about here? At Focus Cash Loans, we offer loans ranging from $100 to $1,500. The cap is either $1,500 or 50% of your paycheque, whichever feels more comfortable in your pocket. No need for collateral or down payments; we keep it simple and straightforward.

When Do You Repay?

Now, let's tackle the elephant in the room: repayment. With us, you repay your loan on your next payday. No ifs, ands, or buts about it. So, make sure your loan due date aligns with your payday to avoid any hiccups. It's essential to review the loan agreement carefully to ensure everything's hunky-dory.

What Happens If You Can't Repay?

Uh-oh, can't make the repayment? First off, don't panic. You'll be charged a minimum NSF fee of $25. Alternative payment arrangements will have to be made, so contact our customer service, and we'll guide you through the next steps for your payday loan with bad credit.

Features of Our Payday Loans in BC and Alberta

Whether you're surrounded by the natural beauty of British Columbia or enjoying the vibrant life in Alberta, you're covered. Cities like Vancouver, Surrey, Calgary, and Edmonton are all within our service range. Here's what we offer:

  • Quick Approval: Usually within an hour during business hours.
  • Instant Funding: Get your money via e-transfer usually within 30 minutes after approval.
  • No Credit Check: Yep, you read that right. Bad credit or no credit, we’ve got you covered.

Weekends and Emergencies

What if you need a loan over the weekend or during a holiday? No worries! Our online application is available 24/7, making us one of the fastest online bad credit payday loans providers. So, if an emergency pops up, we're your go-to, whether it's the weekend, a public holiday, or any other day that ends in "y."

Is Your Information Safe With Us?

Your privacy is a big deal, and we get that. Rest assured, when you apply for payday loans online with bad credit through us, your data is safe. We adhere to Transport Layer Security (TLS) best practices to make sure your personal information is secure and confidential.

What Types of Incomes Do We Accept?

We're a bit selective here to ensure a smooth repayment process. To qualify, your income should come from Employment, EI, Worker's Compensation, CPP, or Private Disability. You must have a bank account where that income is deposited. In a nutshell, if you're earning at least $1,200 a month, you're good to go for payday loans for bad credit in Canada.

Why No Credit Checks?

You heard us right. No credit checks. Ever. Why? Because we believe your past financial mistakes shouldn't define your future. We approve applications based on your current banking activity, making it easier for you to get bad credit payday loans in Canada with almost guaranteed approval.

What Could Cause an Application to Be Denied?

Transparency is key, so let's talk about the nitty-gritty. Your application might be denied for reasons like new bank accounts with no activity, multiple NSF charges, or if your paycheques aren't deposited into a bank account. Make sure none of these apply to you when you're gunning for a payday loan for bad credit.

Almost Guaranteed, Almost Instant

We offer almost guaranteed approvals, usually within an hour during business hours. We're quick but not hasty, thorough but not slow. You get the best of both worlds when you apply for online payday loans for bad credit with us.

How to Handle Repayment Issues

Life is unpredictable, and sometimes you might find yourself unable to make a loan payment. In such cases, contact our customer service immediately. You can repay the balance, including NSF charges, via email money transfer. We aim to provide solutions, even when the going gets tough, making us a reliable choice for payday loans for bad credit in Canada.

Provincial Regulations: What You Should Know

Regulations for payday loans vary across provinces, and we adhere to all of them strictly. Whether you're in Ontario, Alberta, or British Columbia, we follow the maximum interest rates set by each province, emphasizing transparency and professionalism throughout the loan application process.

The Do's and Don'ts of Bad Credit Payday Loans

Before we close, here are some quick pointers:

  • Do review the loan agreement carefully.
  • Don't apply if you have multiple NSF charges or inactive bank accounts.
  • Do make sure your paycheque is deposited into your bank account.
  • Don't forget that the repayment will be debited from your bank account on your next payday.

Conclusion: Why Focus Cash Loans?

So why choose us for your bad credit payday loan needs? Let's recap:

  • Almost Instant Approval: No waiting for days. Get your funds usually within an hour during business hours.
  • Transparency: No hidden fees or complicated jargon.
  • Customer Service: Our team is just a call or email away, ready to assist you in every step.

We're not just offering loans; we're offering financial lifelines. At Focus Cash Loans, we believe that bad credit shouldn't be an obstacle in accessing emergency funds. Our quick and straightforward process makes us one of the best options for bad credit payday loans in Canada.

Payday Loans for Bad Credit in Canada: Frequently Asked Questions on How to Get Almost Guaranteed Approval

1. What Are Payday Loans for Bad Credit and How Do They Work in Canada?

Payday loans for bad credit are short-term loans designed to assist individuals who have less-than-perfect credit scores. In Canada, these loans offer almost guaranteed approval and instant funding via e-transfer. The application process is online, quick, and requires no credit check. You can borrow up to $1,500, and repayment is typically due on your next payday.

2. Why Choose Online Payday Loans for Bad Credit Over Traditional Personal Loans?

Traditional personal loans often require a good credit score and a lengthy approval process. On the other hand, online payday loans for bad credit offer almost instant approval and funding, no matter what your credit history is. They're a fast, easy, and convenient option for urgent financial needs.

3. How Fast Can I Get Approved for a Bad Credit Payday Loan in Canada?

You can expect almost instant approval, usually within 30 minutes during business hours. Once approved, the money is sent via e-transfer, often landing in your account within the same day.

4. Which Types of Income Are Accepted for Bad Credit Payday Loans?

Various types of income are accepted, including employment income, unemployment insurance, child tax credit benefits, private disability insurance, CPP, and private pension. So, you've got options!

5. Where Can I Apply for a Payday Loan with Bad Credit in Ontario?

You can apply online 24/7, making it easy to get a payday loan with bad credit in Ontario or anywhere else in Canada. No need to search for a “loan mart near me”; the application process is entirely digital.

6. Are There Any Hidden Fees for Bad Credit Payday Loans?

Nope, no hidden fees or extra charges. Transparency is key, so you'll know upfront what you're getting into. Just be sure to repay on time to avoid any NSF fees.

7. How Do I Repay My Bad Credit Payday Loan?

Repayment is straightforward. The amount you owe will be automatically debited from your bank account on your next payday. So, mark that deadline on your calendar to avoid any hiccups.

8. What Happens If I Can't Repay My Payday Loan for Bad Credit?

If you find yourself in a pickle and can't make the repayment, don't sweat it. You'll incur a minimum NSF fee, but alternative payment arrangements can be made. Just reach out to customer service for guidance.

9. Can I Get a Payday Loan for Bad Credit Over the Weekend or During an Emergency?

Absolutely! The online application is available 24/7, making it one of the fastest options for bad credit payday loans, even on weekends or holidays. If an emergency pops up, you're covered.

10. How Can I Improve My Chances of Getting Approved for a Bad Credit Payday Loan?

To boost your odds, make sure your income is deposited into an active bank account and that you don't have multiple NSF charges. Also, ensure that your bank account has been active for a reasonable period, as brand-new accounts with no activity might cause your application to be denied.