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 Best Loans For People With Bad Credit

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 Best Loans For People With Bad Credit 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 Best Loans For People With Bad Credit since 2008.

Shopping for the Best Loans for People with Bad Credit

When was the last time you shopped for a loan? Are you limited to who and the type of loan you can apply for? If that is the case, the best loans for people with bad credit are only a step click away. Before you start shopping, there are some things that should take place to ensure that you are receiving the best loan possible. Many people have no idea what their report looks like. Many people have not saw their credit report in over (2) years. When you are shopping for a loan, this is an important step that cannot be skipped over. Otherwise, you could end with an interest rate so high, you would have wished you had followed a few important steps. The first step to shopping for the best loans for people with bad credit is to acquire your credit report. If you have been denied credit within the last 60 days, you are able to receive your credit report free of charge. Please follow the instructions on the denial letter. If all else fails, contact the creditor that provided the denial letter. In the case of those who have not applied for any credit within the last 60 days, you may obtain your credit report from Equifax or Trans Union. Please ensure that you are requesting your report directly though the website. If you do not, it is a great possibility that you could be charged for all credit reports that order. There is no need to find the best loans for people with bad credit if you plan on wasting money on a credit report when it’s free if you don’t mind waiting. Your credit score is not included in the free credit report. It is very important to know your score as well. By ordering your score, you are able to see your credit like the creditors and lenders see your credit. Are you pleased with what you see?

Best Loans For People With Bad Credit

If you are not satisfied with any information on your credit report, it is imperative that you dispute anything that should not be there. This includes incorrect spelling of your name, address information, or something even worst such as identity fraud. Even the best loans for people with bad credit has it own faults, but reliable lenders can about the need to keep your information private when you shop best loans for people with bad credit. Identity fraud is so widespread; that many are complaining about how hard it is to start all over again with your credit after someone has stolen it. If you never checked out your credit report, there could be a lot of things that could ring an alarm. Many collection agencies and creditors fail to remove listings after the seven (7) years have passed. It is a necessity to check this information out. If you had great credit, wouldn’t you want to know that BEFORE you put in an application for any of the companies where you searched for the best loans for people with bad credit? It is not required that you search your credit report before applying for your loan. It is understandable that when you need money fast but don’t have the time or the patience to go through the waiting process for your credit report. Waiting for your credit report to arrive via USPS takes approx. 7 to 10 days. If it at all possible, please check your credit report. If not, bad credit loans specialize in this department of insufficient credit. Remember to borrow responsibility.