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.

How To Get Cheap Loans For People With Bad Credit

Many people try to avoid getting loans in Canada not only because it basically means you will owe money to either a bank or a lender but in most cases the loan becomes mandatory  since they are the best way to get money really fast for urgent needs and they also help one to improve their lifestyle. Gone are the days where people could net get personal loans because they have managed to accumulate what banks would call bad credit. Good thing Canada has come up with a way to get cheap loans for people with bad credit.
The reasons for one to have bad credit are many ranging from having to pay mortgage to getting laid off and sometimes even student loans end up being bad credit but the good thing is in Canada there are always cheap loans for people with bad credit. They may be a little different from other loans but this doesn’t mean that they would not cater for the needs of those who seek it. The lenders of these loans do not only seek to invest in what many may call good credit but also go for those who have come to have bad credit because that is a business opportunity that is untouched and could also prove to be quite an investment. Having bad credit doesn’t mean you are not good with money but just shows that you hit a financial bump on the road.

Picture of Cheap Loans For People With Bad CreditEasy Way To Acquire Cheap Loans For People With Bad Credit

Most of the cheap loans for people with bad credit in Canada do not come from banks since they do not want to go through the process of frequently reminding someone that he or she owes them money. Instead they choose to avoid this altogether by dealing with only those they feel will be able to pay the bank back. However banks are not the only ones offering loans, there are companies and online services that offer credit loans services in being cheap it does not have to be for those who are financially unstable but just for those who would not want to add on to their credit by living beyond their means.
In order to get quality cheap loans for people with bad credit in Canada, the first thing to do is go through and check your credit balance and know just how much you owe and how much you need. After doing this you should do research on the banks and finance companies who offer cheap loans for people who have bad credit. After identifying what you owe and how much you require to get in a loan, you then have to do research on the different types of loans that will suit you best, that is either secured or unsecured loans. These are the easiest and most probably the cheapest one can get since they fit best for those with bad credit.
When it comes to cheap loans for people with bad credit in Canada, secured loans fit best with those people who may own a valuable commodity which may be used as collateral and which will enable the borrower to get  a large sum of money in the loan. In the unsecured loan however things work a little different. There is no collateral; however with this one gets an amount that the lender is sure that the borrower will be able to pay back in the near future or the agreed period of time. The best thing about these loans is that they can be applied for online without one leaving the comfort of their home. This is not only cheap but is also convenient.

Cheap Loans For People With Bad Credit Video