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

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.

Easy 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 Canada.by 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.