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 Personal Loan

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 Personal 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 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 Personal Loan since 2008.

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

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.