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
Read More
Really easy to use and quick fast with no hassle
Karie
Karie
Read More
Very good customer service. Always friendly and helpful.
Carrie Vedan
Carrie Vedan
Read More
You guys are always there for me when no one else is thank you!!
Ms. Emily A. Angulalik
Ms. Emily A. Angulalik
Read More
Quick and reliable!๐Ÿ‘๐Ÿ‘๐Ÿ‘
Customer
Customer
Read More
Always incredible helpful and reliable when needed. Staff are friendly and effective.
Sharon C
Sharon C
Read More
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
Read More
Great, fast,service. Always polite if I need to call but every thing can be done online ( which I like)
Customer
Customer
Read More
Fast and efficient customer service, I am a satisfied valued client. Thanks a lot
 D. Ackles
D. Ackles
Read More
Great service provided by great people. Always.
Customer
Customer
Read More
Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.
Neil
Neil
Read More
They are very professional and helpful and provide excellent customer service.
Nancy
Nancy
Read More
You have always been so easy to deal with. Highly recommended.
Milagros
Milagros
Read More
Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.
Previous
Next

Trusted Lender

Secure Application

Fast Approvals

How To Get Instant Bad Credit 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 Instant Bad Credit 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 Instant Bad Credit Loans since 2008.

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. Moneylender 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 doesnโ€™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.