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!πŸ‘πŸ‘πŸ‘
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 Unsecured 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 Unsecured 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 Unsecured Loans since 2008.

Bad Credit Unsecured Loans Jibber Jabber

Do you understand credit lingo? Many credit applications can be confusing. The contracts for the loans are even worst. Although bad credit unsecured loans are simple to understand, there are some terminology in reference to these types of knows that applicants should understand. By understand the terminology of loan documents; it is better to manage the loan. Many people have failed to educate their selves on the language of loan contracts. You cannot receive your driver license without reading a driver's book first, so why would you sign a contract you do not understand. After you sign a contract, you are legally binding by that documents. It does not matter if the contract was handwritten, typed on a typewriter, or signed electronically. All serves as evidence that you agreed entered an agreement with a lender.

Dissection of Bad Credit Unsecured Loans

Bad credit unsecured loans has the same choice of word as traditional unsecured personal loans. Some terminology that might sound familiar is interest rate, fees, term, principal, finance charges, and automatic payment. Do any other these terms ring a bell? Automatic payment is the simplest of the bunch. Automatic payment is set up out of your bank account or credit card. Most bad credit unsecured loans require that you have a bank account in your name. By electing automatic payment, you can ensure that your payment arrived to the lender. No more checks in the mail or phone payments for your bad credit unsecured loans. The lender feels more confident in knowing that the payment WILL be received. Fees are added to loan packages if there were things such as application fees, administrative fees, etc. It is important to know how the lender calculates fees. The term of the loan refers to the number of payments that the loan is to be paid in full. If there are any changes made to your loan, please ensure that you have it in writing and your loan contract is re-written. Many loans have what they call a prepayment penalty. If you obtained a $5000 unsecured personal signature loan, you could be penalized a certain percentage for paying off our loan in six (6) months in opposed to the originally year that was calculated in the loan contract. Bad credit unsecured loans does not have this. In reality, the lender loves when their customers pay their loans back fast. It keeps the business thriving. By paying the loan in full, you will have zeroed-out your principal. This is great for business! Have you ever picked apart your loan contract? Do you know what you are signing? Many people fail to read their contract. This has caused problems and confusion. If there is any confusion, feel free to receive some clarity. Even if you know someone who has obtained bad credit unsecured loans, ask questions on their experiences If possible, request to view their bad credit unsecured loans contract. Most of the bad credit loans come in the form of a cash advance. Cash advances are not to be used for long-term use. Most payday loan only require minimal things; If you are at least 19 yrs of age, employed for at least 2 months, valid telephone number, and a bank account in your name, you are highly likely to be funded. Live like a rock star and go out on a whim. Get that new car or pay that past-due bill. Live your life and if you are ready, submit your application. The bad credit unsecured loans are yours if you want it… All you have to do is apply!