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.

A Multipurpose Bad Credit Unsecured Personal Loan

What is your current financial situation-looking like? Does it feel like you are treading in the water and you are going nowhere fast? If you are like numerous Canadians, a bad credit unsecured personal loan seems to be to good to be true. Does something that seems to be too good a sham? Although this saying is true in a lot of cases, this saying is absolutely wrong when in talks of unsecured personal loans for people with bad credit. There are actually several funding companies that are willing to provide assistance. Many lenders actually do receive a pleasure from the help they can provide to deserving applicants.  How can these types of loans tie in with bad credit car loans? There is not just one bad credit unsecured personal loan, as there are lot lenders willing to provide car loans to less than perfect credit applicants. There is everywhere you look. In the newspaper, magazines, etc. Have you searched hard enough?

Smashing Your APR With A Bad Credit Unsecured Personal Loan

Picture of family that got Bad Credit Unsecured Personal Loan online In cases where lenders provide funding for applicants whom has limited or bad credit, the APR (annual percentage rate) will be significantly high. The high APR is basically punishment for your past credit decisions. Depending on the amount of money that you are entering your contract with, you monthly car note can easily reach $400 – $500 or even more. In comparison with someone who has excellent credit, can easily walk away with the same car with a car note of $250. How could bad credit unsecured personal loan help you? Rather you purchase your car from a Mom and Pop car dealer or a national Ford company, your car note can vary depending on your down payment.  A down payment is used in context when a customer is attempting to purchase a particular item. The down payment is used as the initial upfront payment. The down payment is applied to the principal balance of the vehicle. For example, if you are purchasing a car that is $6500 and you pay a down payment of $1000; you will need to finance the remaining $5500. A bad credit unsecured personal loan would come in handy in this case. If you already have $1000 to put down on your vehicle, a bad credit unsecured personal loan could provide you with the ability to have a cheaper car note. In the long run, this would be beneficial to you as well as your household. Any money that can be saved should be saved. Depending on the type of vehicle that you would like to purchase, an extra $1000 can help you add a heap of additions to your vehicle contact. Many do not consider GAP (Guaranteed Auto Protection). Many new vehicle owners fail to add this small but powerful feature. With bad credit unsecured personal loan, should not be a reason to decline. It is important because if you were ever in an accident and the vehicle is totaled, you will not be responsible for the remaining balance on the loan. The insurance is responsible for paying any remaining monies on the loan. With extra money you can receive, applying GAP insurance to your vehicle will be a no brainer. Who wants to be responsible for payments on a vehicle that they can no longer drive. If you refuse to take care of the balance, the creditor will have no choice but to report this on your credit report. If you are on the road to recovery, bad credit unsecured personal loans help you get there.

Bad Credit Unsecured Personal Loan Video