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.

Bad Credit Personal Loan-Clear Off Debts In Time

A bad credit personal loan is a loan that is given to individuals who need money yet they have a bad credit history. There is nothing wrong with having such loans available in Canada, but it is also wise if you avoid being among the list of all the creditors who have not finished paying off their debts but they are still seeking for a loan. This is because there are many restrictions that you will have to work with and also the possibility of you ever running out of debt will be impossible to achieve.

Ways Of Avoiding Bad Credit Personal Loan At All Costs

Bad Credit Personal Loan - Easy, Safe and Secure! How can you avoid a bad credit personal loan? This might be the next question to be asked by a borrower who has tried their best to be debt free, but it is almost impossible. The main three steps that you should follow are first of all making sure that you pay your loans on time, and avoid default of loans at all costs and avoid assuming the responsibility of paying your own personal loans. This way, you will have a good credit history to show and your loan will not be under the bad credit personal loan anymore but in another category of loan with different terms and conditions.
Trusting a bad credit personal loan can be harmful because it subjects you to other tough consequences and conditions that if you had another personal loan without bad credit you would not be experiencing. A bad credit loan applicant is considered incapable of paying off debts and so financial companies do not give them a chance to apply for a loan. Even for a lender, because they are taking risks they will give you a loan with high interest rates and a shorter time to pay both, failure to which it will result to a number of other penalties. This means that these conditions only favor the lender and not you, the borrower.
The fact that these personal loans are available and you are already in a bad credit history does not mean that you should stick here for good. If the situation calls for it, then go ahead and apply for a bad credit personal loan. It is good to have your targets and meet them, and this will start by making sure that you work on the bad credits that you have and pay them off before you seek another personal loan so that you can apply for a fresh one under a different title and not that one of bad credit loan applicants.
It is also good if you go for a secured personal loan as it gives you less chances of being denied the total amount that you need for your immediate needs. This you can do through the bad credit loan or even under a good loan application with no traces of unpaid loans. The secured kind of loan gives you the chance to get the full amount that you ask for and also use it wisely because you know that your property is serving as collateral for that loan.
There are so many other different loans available, this being one of them, but it is advisable that you settle for a loan that does not restrict you simply because you have some pending balances and other credit payments that you have not yet managed to pay. Clear off your debts so that you avoid being in the list of bad credit applicants when seeking for a loan, as it portrays a bad picture of your financial capabilities and management.

Bad Credit Personal Loan Video