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 Loans Ontario

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 Loans Ontario 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 Loans Ontario since 2008.

Finding loans with Bad Credit Personal Loans Ontario

Some banks may not be all that willing to extend a loan to a person with a bad credit. Once you hand in your application, they run a background check on your account. Your credit history is of much importance to the bank. Banks use credit scoring, a method designed to check on your accounts credibility. If you fall below their score point, then they reject your loan application.

At times of financial crisis, one may end up with a bad credit rating. The need for urgent money is caused by various reasons in life; some may be good others may be bad. Monitory needs may vary from, financing a vacation, buying yourself a car to emergency illnesses, accidents etc. Nowadays loan can be acquired even if one has a bad credit. Bad credit personal loans Ontario offers loans to people disregarding their financial history. They don’t also put a boundary as to what you do with the money. It doesn’t also matter to them whether you are bankrupt; have a ccj, previous unpaid loans, forfeitures, late payments, or redundancy. Bad credit personal loans Ontario gives loans to even people without property like, car, house or precious jewelry.
Types of Bad credit personal loans Ontario

There are two types of Bad credit personal loans Ontario; secured bad credit personal loan Ontario and Secured personal loan. A secured bad credit loan requires one to submit collateral. Collateral is a security that can be taken from you in the occurrence of non repayment of a loan, or being unable to effect payment on time or as agreed with the lender. This kind of loan has a lower interest rate than the unsecured one. This is because the lender feels more secure as in there is something he can be able to repay himself with if you don’t pay him up.

Unsecured bad credit Bad credit personal loans Ontario is a kind of a loan that does not need any collateral to get. The interest rates in this kind of a loan is higher as no property is given as security. This kind of a loan is common to people without houses and tenants. It is also common to people who don’t want to risk their properties. An unsecured bad credit personal loan Ontario requires one to make an application with the lender. The lender verifies your identity and once they identify you, they process your loan.

Bad credit personal loans Ontario is efficient and fast in that you can just fill a form online and save yourself the trouble of having to travel and meet managers. It will only take you like fifteen minutes to fill a form and within hours the lender will have processed your information and will send money to your bank.

Too many applications should be avoided as you can ruin your credit reputation in terms of ratings. However, one willing to get this kind of a loan should do a research to look for a lender with favorable rates. The lender checks a history of your employment and your ability to repay. One should negotiate favorable terms of repayment and should be sure to agree with terms he or she should be able to fulfill.

You should also take an amount you can be able to repay. Before you take a loan for luxuries, take for example, a vacation, you should make sure you have a sure means of repaying. You do not want to come out of a vacation and start struggling with depts. So it is always advisable to prioritize the important things fast when considering taking a loan for the day of paying back can be will always follow you.