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

3 Easy Steps

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 a Loan 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.

Installment Loans in Canada

An installment loan allows principal and interest to be repaid over time through multiple scheduled payments rather than one lump-sum payment at end of term.

You can repay many of the most common types of loans with installments. These include home, auto and business loans. This term can also be used to refer to personal loans that are becoming more popular in Canada.

An installment loan in Canada is similar to any other loan. The borrower receives a lump sum after approval. These funds, together with interest and finance charges, must be repaid in full. Most short-term loans offer two to three repayment terms.

These loans can be for a period of several weeks or even a few months. Instead of one lump sum payment at the end, the borrower can make smaller repayments over time.

Unsecured loans can offer cash proceeds of up to $1,500 to borrowers. These loans are available up to $1,500 and do not require collateral. They also don’t charge additional for multiple installment repayment options. This is a crucial factor as traditional lenders and banks charge more for convenience in making multiple installment payments.

Installment loans have their pros and cons depending on the borrower’s financial situation. When a borrower works or earns money regularly, it is easier to repay the loan. Consumers can save money and spread their loan repayment over a longer period.

A lump-sum repayment might be better for borrowers who don’t get the money they need to repay their loan. Multiple loan repayments can be more cumbersome than one.

This can be fixed with the best loans. Lenders automatically debit the borrower’s bank account to pay the loan back on the due dates.

Canada’s installment payday loans are not subject to any restrictions. Borrowers can use the funds in Canada just like cash.

They are often referred to as emergency loans by most people. They can be used to fund family emergencies, home or auto repairs, or to repair or replace appliances.

Today, $1,500 installment loans can be obtained from both brick-and mortar loan offices in major cities and online through modern lenders.

Online Installment Loans

Many people who are looking for short-term cash to improve the quality of their lives love the convenience and speed of online installment loans.

There is no need to visit branch offices or stores in order to get loans. Quality loan shops can be difficult to find outside major cities. This means that borrowers will need to travel a lot and spend a lot of time and effort. Online money lenders solve this problem by allowing customers to apply, be approved, and receive their funds without ever leaving their home.

Online loans allow customers to apply for loans from anywhere they are able. All they need is a smartphone or tablet and an internet connection. This is something nearly everyone has these days. Online applications are available no matter what time it is, whether it is raining or snowing, at 3am, on weekends, or any other time. AI-driven technology makes it possible to approve and fund your application 24/7/365.

Paperwork is a major problem for borrowers who have tried to get loans from traditional banks and loan stores. Online installment loans in Canada are now available without the need for any paperwork. There is no paper work to complete – there is nothing to scan, mail, or fax. The entire application process is online and consists of only a few fields. Most customers can complete them in a matter of minutes. You can rest assured that your application, financial and personal information as well as transactions, are safe and secure. Top lenders use encryption and other security technology.

Online installment loans are offered by some of Canada’s most trusted lenders. They offer instant approval and speed up the borrowing process. Technology allows loan applications to be quickly evaluated and approved within minutes. There is no need to wait for long and stressful approvals like with a bank loan or loan store.

This is ideal for people who need cash quickly or in an emergency. Online lenders have simplified the lending process so people can get the money they need quickly.

Online money loans that can be repaid in installments are also available. This makes them among the most accessible. There are no collateral requirements. Other requirements that top lenders have are easy to meet include income stability, residency, and a minimum monthly gross income.

Leading lenders will also accept multiple income forms to meet this requirement. This allows customers with retirement accounts, pensions, social welfare benefits or any other income source to be eligible for a payday loan.

Online loans can be obtained through customer support and service. The entire process is automated, but experts are available to help customers with any questions or guide them through it. Quick installment loans online are the fastest and easiest way to borrow money today in Canada.

Installment loans for bad credit

You can get installment loans in Canada for people with bad credit, but this is perhaps the most important. People with poor credit or average credit and little or no credit history have difficulty getting loans from banks or loan shops. They can still qualify for loans from modern online lenders.

This is due to several factors. It is important to realize that conventional lenders and banks are extremely risk-averse. To determine if a person is eligible for a loan, they heavily rely on their credit scores and credit history.

Many banks have such high minimum lending criteria that 75 to 80% of applicants are turned down by them. Many banks won’t lend money to anyone with a credit score below 700 or 750 in Canada, as the average Canadian credit score is around 650. Online lenders offer loans up to $1500 to people with poor credit.

Direct lenders, however, use different criteria to assess borrower risk. They are primarily concerned with the applicant’s ability to repay the loan on time and with sufficient income.

Installment loans for customers with bad credit make it even simpler by spreading the repayments over several installments instead of draining a borrower’s bank account at once. This is due to the fact that these loans are small and can be repaid over a short period of time.

Payday installment loans for bad credit are available from top online lenders. The minimum credit score required to be approved for the loan is very low. Customers who have had their applications declined by other lenders (banks, loan shops, etc.) may be eligible for an instant loan from an online lender.

Reiterating that loans for people with poor credit are not subject to collateral requirements in Canada is also important. People in financial difficulties often don’t possess the assets required to secure a loan (collateral required). This can limit their options.

Online lenders offer loans for people with bad credit. There is no collateral requirement. This reduces the risk to borrowers, which is something many people think about when they need fast cash loans.

Many online lenders offer loans for people with poor credit that have approval rates that are higher than banks. Online lenders approve 75-80%, or as high as 90%+, of applicants.

Although every lender has the right to refuse certain applicants, the majority of people find that they have the best chance to get cash the same day through an installment loan company that accepts those with poor credit.

Installment loans with no credit check

Some firms advertise installment loans without a credit check in Canada. This can be advertised at a loan shop or online. These companies have alternative means of assessing your creditworthiness. Online lenders that offer loans without credit checks are not uncommon.

People seek out lenders that offer personal loans without a credit check because they are afraid that their credit checks will make them unqualified and lead to rejection of their loan application.

This is a reasonable fear to have, especially if one knows their credit score and credit history are not stellar. It’s also understandable that they may have been turned down by other lenders previously because of their credit history.

It can take several days to approve a traditional bank loan. A loan agent can conduct a credit check and call for references. They also validate information like income and employment. Online loans offer instant approval and same day funding so this kind of lead time is impossible. This validation must be done quickly by software.

Installment loan providers

Canada customers have many options for installment loans today. These types of emergency loans are not typically offered by banks. These loans may be offered by conventional loan shops in major cities, but it is uncommon. Most lenders only offer “classic” short term loans with one lump-sum repayment option. Customers who require multiple installment repayment options for loans are more likely to choose online lenders.

Focus Cash Loans is one of the most trusted loan companies in Canada. Focus Cash Loans is a trusted lender that has been in business since 2008.

Customers can apply quickly and easily for a loan up to $1,500 in cash funds unrestricted through our website and the money lending app on Android or iOS.

Customers have the option of making one lump-sum payment or two or three installment payments on their loan in Canadian Provinces that have installment regulations. Customers don’t have to pay more for installments, regardless of which option they choose. This type of loan is not intended to charge extra fees or charges, but to make it easier for customers and their families to repay and manage their loans.

Most customers can complete a loan application in as little as 5 minutes. The loan application is then processed immediately. This eliminates the stress associated with loan approvals. Focus Cash Loans has a very high approval rate, with over 90% of qualified applicants approved.

Customers will receive a digital loan agreement that they can review and sign after approval. The customer funds are immediately send via e-mail money transfer when the agreement is returned to us. Customers also have an option to have their money deposited to their bank accounts the next day. If customers opt for the email money transfer option, they can also get their money released in a matter of minutes. There is no quicker way to get your loan funded.