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 How To Get A Loan 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 How To Get A Loan 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.

Get A Loan With Bad Credit with Focus Cash Loans Today.

Useful Tips On How To Get A Loan With Bad Credit.

Having a bad credit is not an unusual thing. So many financial needs are being experienced these days to the point that people will be handling them with borrowed money. But that is not the end of the world though, because you can still borrow more money if you really have a financial need, say an education need and you have to pay the tuition fees no matter what. It is possible to get money irrespective of your financial situation or your credit score, which is why these tips on how to get a loan with bad credit will be of so much benefit to you. Remember to always be open about your situation with your lender so that you can start your relationship on a trustworthy point, otherwise it will be a problem if he will come to learn about your situation later.

Picture of How To Get A Loan With Bad CreditEasy Methods To Use On How To Get A Loan With Bad Credit

You need to first of all identify the reason why you really need to borrow the money. You need to convince yourself that it is the best thing to do if it is, but still, you may come to realize that it is not that important in the first place and the need can wait until you are better off credit-wise so that you will get a loan easier and with better lending terms. Do not rush into learning how to get a loan with bad credit when you are not sure if the loan is that important or not.

The best way on how to get a loan with bad credit is to look for a co-signer. It is not possible to get a co-signer when your credit history is really bad, but at least a relative or a closelost friend can help you so much. The friend or the relative must have a good credit history though so that you can get a loan. Let them know what your situation is and what it means to them when they act as a co-signer for you. Some will not agree but since you really want the money, you have to try as much as you can. If in the end they agree, you will get a good amount of loan with better terms despite your bad credit that is why it is worth it to try to get a co-signer. Relatives are better in this case because they can trust you better than anyone else.

You also need to try banks and other lending institutions. I am sure that when people are in a great financial need, they could try so much to get the money, but when they are badly off when it comes to their credit score, they will try to avoid some lenders like banks and other institutions that loan money to people. You need to come out clean and make these institutions to understand your satiation. This is actually the best way in how to get a loan with bad credit. The most obvious thing that could happen is that the institutions will lend you money, but the interest rate will be extremely high.

Another useful tip on how to get a loan with bad credit is to consider the combined loan. You can consider applying for a loan that consolidates all the existing loans. Any money lending institution will give you money in this case, but it is important to have a co-signer in order to get better loaning terms as well as the trust of the institution that is lending you the money. As you can see, it is possible to get a loan even with a bad credit, but you need to know a few things here and there.