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 Signature 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 Personal Signature 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 Personal Signature Loans since 2008.

Trying to Achieve the Impossible before Bad Credit Personal Signature Loans

Many people have not heard of bad credit personal signature loans. A traditional signature loan is an unsecured loan with a fixed term to be used for a specific intent. They offer long-term solutions for consumers. There is a catch regrettably. You might have already guessed it. Your payment history has to be up to part. Where does that leave the majority of the applicants? Before the 1990’s it left many in the doghouse. Because of everyone financial circumstances, borrowing from a family member or friend might not be an option. Loans can be difficult to obtain with a bad credit rating. Many consumers don’t have collateral in place of their credit score. That is where bad credit personal signature loans are helpful. Many believe that these types of loans are unheard of. Be sure to know your credit score. Educate your self on what your credit score details. Your credit score details your applicant's creditworthiness across multiple credit agencies. This score will include bankruptcies, late payments, as well as a host of other listing. Like many loan applicants, individuals apply to loans blindly without any clue on the criteria. If your credit score fails to reflect who you really are, don’t fret. There is a second door. If you just walk through, you will realize that there is hope on the other side.

Bad Credit Personal Signature Loans Creates Peace

If you have been on the other side of the table, you know how difficult it is to swallow a denial letter for a personal loan. Many consumers utilize signature loans in times of despair. In today’s economy, who doesn’t need to borrow money sometimes? If this describes you, a bad credit loan could be your life jacket. These loans require no collateral. They are approved quickly and the requirements are minimal.

Requirements are as follows:

  • At least 19 years of age
    Employed at least two (2) months
  • Have a valid checking account in your name
  • Have a valid telephone number

 

Bad credit personal signature loans are the easiest application to complete. Many applicants are approved within minutes and have their money in their accounts as speedy as a few hours or as long as 24 hours. This time frame is drastically faster than traditional personal signature loans. A vast majority of traditional personal signature loans processing can take anywhere from 10 days to 30 days. Depending on the purpose of your loan, that could be detrimental to your situation. These loans provide a foundation for you to make it to your next payday. Just as all loans, there are fees associated with bad credit personal signature loans. Remember, nothing is for free. These fees range from $10 to $20 per every hundred borrowed. Review fee information carefully. Overdraft fees from your bank and interest on cash advances from your credit card are typically higher than the proposed loan. A lot of credit cardholders are not aware that cash advances on credit cards do not carry a grace period. Interest fees start as soon as the cash is in your hands. They also carry an upfront fee of 2% to 4% of the amount that you requested to be advanced. Overdraft fees still plague consumers. The Federal Reserve changed rules on how banks handle debit card overdrafts. Bad credit personal signature loans are not to be considered as a long-term loan option. Bad credit loans are a short-term source of credit. Although the loan amount is normally based on your salary, you should only borrow what you need.