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!๐Ÿ‘๐Ÿ‘๐Ÿ‘
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 Guaranteed Payday Loans

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 Guaranteed Payday Loans 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 Guaranteed Payday Loans since 2008.

Guaranteed payday loans are a type of short-term loan that can be used to cover unexpected expenses or emergencies. Focus Cash Loans, an online payday loan company founded in 2008, is a direct lender that offers these types of loans to individuals in Canada. To qualify, one must be employed or receive a specific type of income, such as EI or CPP, and have a bank account where that income is deposited. Our service does not require any collateral, and we don't run credit checks. This means that even if you have bad credit or past bankruptcies, you can still be approved for a loan with us.

Our loan process is quick and easy, with a completely digitized application process. You can borrow from $100 to $1500 and if approved, you can receive the funds via email money transfer within 30 minutes. The loan fees are $15 for every $100 borrowed, and the loan is typically due on your next payday. If you qualify for an installment repayment plan, you can repay your loan over 2 to 3 installments up to 62 days.

At Focus Cash Loans, we pride ourselves on offering easy approval, and no credit check approval in Canada. We offer online approval, and we are direct lenders only. You can get approved no matter what your credit score is, and we will process your loan application the same day you apply during our business hours. You don't need to scan, email or fax any documents, it's all paperless. We approve loan applications from Alberta, BC, and Ontario, as well as other provinces.

How it Works

The loan application process with Focus Cash Loans is straightforward and easy to follow. Here's a step-by-step explanation of how it works:

First, you'll need to visit our website and click on the “Apply Now” button.

Next, you'll be prompted to fill out our online loan request form. The form will ask for basic personal and financial information, such as your name, address, income, and employment details.

Once you've filled out the form, you'll need to submit it along with a few other required documents, such as proof of income, and a valid government-issued ID.

After submitting the form, our system will automatically review your application and determine if you qualify for a loan. The process is fast, usually taking just a few minutes.

If your application is approved, we will process the loan, and you will receive the funds via email money transfer (usually takes about 30 minutes to receive the transfer) which is the fastest way to receive the funds in Canada.

To apply online, you'll need to have a valid email address and a phone number that you can be reached at. You'll also need to have access to a computer or mobile device with an internet connection. To fill out the request form, you'll need to provide your personal information, such as your name, address, and income details, as well as some financial information, such as your bank account details. Our online application process is paperless and easy to use, you don't have to scan, email or fax any documents.

Eligibility and Requirements

To be eligible for a guaranteed payday loan with Focus Cash Loans, you must meet certain criteria. Here's a breakdown of who is eligible and what the requirements are:

A. Eligibility: To be eligible for a payday loan with Focus Cash Loans, you must be 19 years or older, and you must be employed or receive one of the following types of income: EI (unemployment insurance), Workerโ€™s Compensation, CPP (Canadian Pension Plan), Private Disability and a bank account where that income is deposited.

B. Requirements: The minimum income requirement is $1,200 per month. You must have a valid email address and a phone number that you can be reached at. You'll also need to have access to a computer or mobile device with an internet connection.

C. How to qualify: To qualify for a payday loan with Focus Cash Loans, you must meet the eligibility criteria outlined above and provide the required information and documentation during the application process. Our loan decision is based on your banking activity, so you don't have to worry about bad credit, no credit and past bankruptcies. Our loan process is quick and easy, with a completely digitized application process. If you meet our simple eligibility requirements, you can get approved no matter what your credit score is, and we will process your loan application the same day you apply during our business hours.

Guaranteed Approval

At Focus Cash Loans, we offer guaranteed loan approval with no credit check if you meet our lending criteria. Here's a breakdown of what that means and what you can expect:

A. Guaranteed Approval: Yes, you can get guaranteed loan approval with no credit check with Focus Cash Loans. We understand that people can run into financial hardship at some point in life, and we do not disqualify you based on bad credit, no credit and past bankruptcies. Our loan decision is based on your banking activity, so you don't have to worry about your credit score.

B. Bad Credit: Even if you have bad credit, you can still be approved for a loan with us. We do not run credit checks, so your credit score will not be a factor in our loan decision.

C. Guaranteed Loan with Bad Credit: If you have bad credit and are looking for a guaranteed loan, Focus Cash Loans is the best option for you. We offer guaranteed loan approval with no credit check, and our loan decision is based on your banking activity. We approve loan applications from Alberta, BC, and Ontario, as well as other provinces. We are a direct lender and we will process your loan application the same day you apply during our business hours, and you can get the funds via email money transfer within 30 minutes.

Interest Rates and Repayment

At Focus Cash Loans, we offer competitive interest rates and flexible repayment options for our guaranteed payday loans. Here's a breakdown of what you can expect:

A. Competitive Interest Rates: We pride ourselves on offering competitive interest rates for our payday loans. The loan fees are $15 for every $100 that you borrow, which is in line with industry standards.

B. Flexible Repayments: Our repayment options are designed to be flexible and accommodating. Your loan will have to be paid on your next payday, but if you qualify for an installment repayment plan, you can repay your loan over 2 to 3 installments up to 62 days.

C. Number of Repayments: The number of repayments will depend on the loan amount and the repayment plan you choose. If you opt for a single repayment, the loan will be due on your next payday. If you choose an installment repayment plan (you must qualify for one), the loan will be divided into 2-3 repayments, spread out over a period of 62 days.

D. How much to borrow: You can borrow from $100 up to $1500. The amount you can borrow will depend on your income and your ability to repay the loan.

Instant Approval and Fast Decision

At Focus Cash Loans, we understand the importance of fast and reliable service when it comes to payday loans. That's why we offer instant approval and fast decision for our customers. Here's a breakdown of what you can expect:

A. Instant Decision Loans: Our loan process is quick and easy, with a completely digitized application process. You can get an instant decision on your loan application, usually within a few minutes after submitting your application.

B. Get Approved Fast: Our online loan application process is designed to be fast and efficient. We have a friendly lender and our loan decision is based on your banking activity. You can apply for a loan during our business hours and we will process your loan application the same day you apply.

C. Get Your Funds Fast: If approved, you will receive the funds via email money transfer (usually takes about 30 minutes to receive the transfer) which is the fastest way to receive the funds in Canada.

D. No Refusal Payday loan Canada: We approve all applications that our simple eligibility requirements, so even if you have bad credit or past bankruptcies, you can still be approved for a loan with us. We understand that people can run into financial hardship at some point in life and we don't want to be the ones to refuse you.

Safety and Security

At Focus Cash Loans, we take the safety and security of our customers very seriously. Here's a breakdown of what you can expect when it comes to the safety and security of our guaranteed online loans:

A. Safe and Secure: Yes, guaranteed online loans are safe when obtained from a reputable lender such as Focus Cash Loans. We use the latest encryption technology to protect your personal and financial information, and we comply with all relevant laws and regulations to ensure the safety and security of our customers.

B. Safe and Secure Procedure: We have a safe and secure procedure for our loan process. We use the latest encryption technology to protect your personal and financial information and we comply with all relevant laws and regulations to ensure the safety and security of our customers.

C. Receive Money in Your Bank: Once your loan application is approved, you will receive the funds via email money transfer directly to your bank account. This is the fastest and most secure way to receive the funds, and eliminates the need to handle cash or mail checks.

In summary, Focus Cash Loans guarantees the safety and security of our online loans and the personal information of our customers by following the best industry standards and compliance with the laws and regulations.

Guaranteed Payday Loans in Canada

Payday loans are available in Canada, and at Focus Cash Loans we offer guaranteed payday loans. Here's a breakdown of what you can expect when it comes to payday loans in Canada:

A. Guaranteed Payday Loans in Canada: Yes, payday loans are available in Canada and at Focus Cash Loans, we offer guaranteed payday loans to those who meet our simple eligibility requirements.

B. Guaranteed Payday Loans: Our loan decision is based on your banking activity, so even if you have bad credit or past bankruptcies, you can still be approved for a loan with us.

C. Solutions Across Canada: We approve loan applications from Alberta, BC, and Ontario, as well as other provinces across Canada. With our completely digitized application process, you can apply for a loan from anywhere in Canada, and get approved fast.

D. Quick Payday Loans in Canada: Our online loan application process is designed to be fast and efficient. We process your loan application the same day you apply during our business hours, and you can get the funds via email money transfer within 30 minutes. Our payday loans in Canada offer a quick and easy solution for those facing unexpected financial expenses.

Comparison to Traditional Lenders

When compared to traditional lenders, Focus Cash Loans offers several advantages for those looking for a guaranteed payday loan.

A. Comparison to Traditional Lenders: Traditional lenders, such as banks, typically have stricter eligibility criteria and require collateral and credit checks. The application process can also be lengthy and time-consuming. In contrast, Focus Cash Loans offers a fast and easy application process, with no credit checks and no collateral required. Our loan decision is based on your banking activity, so even if you have bad credit or past bankruptcies, you can still be approved for a loan with us.

B. Why Choose Us: By choosing Focus Cash Loans, you can get the money you need quickly and easily, without the hassle of dealing with traditional lenders. Our online application process is fast and paperless, and you can get approved for a loan the same day you apply. We also offer flexible repayment options, and our loan decision is based on your banking activity, not your credit score. With our guaranteed payday loans, you can get the financial help you need, without any unnecessary stress or delay.

In conclusion, Focus Cash Loans offers a fast and easy solution for those in need of a guaranteed payday loan. Our online application process is quick and paperless, and we offer competitive interest rates and flexible repayment options. We don't run credit checks, and our loan decision is based on your banking activity, so even if you have bad credit or past bankruptcies, you can still be approved for a loan.

We understand that unexpected expenses can arise at any time, and we're here to help you get the financial assistance you need quickly and easily. With our guaranteed payday loans, you can get the money you need to cover unexpected expenses or emergencies, without any unnecessary stress or delay.

If you're in need of a guaranteed payday loan, we encourage you to apply for a loan today. Our application process is fast and easy, and you can get approved the same day you apply. Apply now, and get the financial help you need, when you need it.