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.

Instant Bad Credit Loans

You will encounter many situations in life when you need some extra cash. Some people would save money to prepare for such a situation but not everyone is able to do so. With the increasing prices of every essential commodity, meeting your needs will be extremely difficult and then paying for something instantly becomes improbable. But the days of worrying to avoid such situations are over as you have the option to go for instant bad credit loans. These loans provide you with the instant cash that you may require at a certain point of time. These loans are available even for people with a bad credit history. People with bad credit face great harassment in searching for a viable loan and in case of an emergency you can assume what sort of situation they would be in.
Banks or money lenders need to prepare different kinds of conditions to lend instant bad credit loans. Since the person has had a bad credit history, the bank will not be assured of their money. The person might be unable to repay the loan in some cases and that leaves the bank in trouble. The major problems that are related to a bad credit record are pending bill payments and installments, unpaid payments or installments and arrears. Money lender will accept your application even with such a record but you will also have to make some sacrifices. You will need to make timely repayments otherwise you will get yourself in deep trouble. Once you are unable to repay the amount, you might be given an extension but being unable to meet that would result in a catastrophic situation for yourself. Hence you need to be careful.

Instant bad credit loans are unsecured loans

Money borrowed with the help of instant bad credit loans can be used in different purposes. To avoid the above consequences to happen, the banks put some restrictions on the loans. They will lend you the money instantly. You will also not need to present any collateral while applying for the loan and hence these instant bad credit loans can be termed as unsecured loans. This is a great advantage for people who do not own their homes or property such as car which could be used for collateral.
The main motive behind providing instant bad credit loans is that the service is excellent and the person applying for the loan doesn’t have to suffer for a long time and can meet the needs of the occasion easily. These kinds of loans can be easily applied and you can receive the credit within 24 hours at maximum. The instant bad credit loans are unsecured loans also because the amount would never be a huge one. Hence the loan would be a short term loan and will just satisfy the needs of the specific time. The interest rates will be very high compared to interest rates of other kinds of loans because the bank would provide you the instant service without any collateral and to a person who has had a bad credit record.
Money borrowed with the help of instant bad credit loans can be used in different purposes. It can be used for organizing a family event, paying for a medical treatment, for paying for your house or car repair and to solve the problem of unexpected utility bills. You might need the money for a different purpose but always remember to avoid using the money for repaying a debt or loan.

Instant Bad Credit Loans Video