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 Unsecured 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 Unsecured 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 Unsecured Personal Loan since 2008.

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

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.