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 Instant Payday Loans Canada

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 Payday Loans Canada 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 Payday Loans Canada since 2008.

If you're in a financial bind, don't worry – you're not alone. Many Canadians face unexpected expenses or emergencies that require immediate funds. Luckily, Focus Cash Loans is here to help. Our instant payday loans in Canada provide a fast and convenient way to get the cash you need without the hassle of traditional loans. With no credit checks, 24/7 online approval, and wire transfer options, you can get the funds you need in hours. In this article, we'll go over everything you need to know about instant payday loans in Canada and how Focus Cash Loans can help.

What are Instant Payday Loans in Canada?

Instant payday loans in Canada are short-term loans designed to cover unexpected expenses or emergencies. Unlike traditional loans that require a lengthy application process, instant payday loans are easy to apply for and can be approved in just hours. These loans are available to Canadians who are employed or receive a steady source of income, have a bank account where their income is deposited, and are at least 19 years old.

How to Apply for Instant Payday Loans in Canada with Focus Cash Loans

Applying for an instant payday loan with Focus Cash Loans is a breeze. You can apply online 24/7 without the need for faxing any documents. Here are the steps to apply:

Step 1: Fill out our online application form. Step 2: Tell us a little about yourself, including your name, address, phone number, and email address. Step 3: Tell us about your employment, including your employer's name, how long you've been working there, and your monthly income. Step 4: Give us your banking information, including your bank account number and routing number. Step 5: Hit that submit button and wait for the good news.

Our instant online approval means you'll know within hours if you qualify for a loan. We provide a 100% approval guarantee to all applicants who meet our simple eligibility requirements.

Benefits of Instant Payday Loans in Canada with Focus Cash Loans

There are a ton of reasons why you should choose Focus Cash Loans for your instant payday loan needs in Canada. Here are just a few:

  • No credit checks: Unlike traditional loans, we don't run credit checks on applicants. This means that even if your credit is bad or you have no credit history at all, you can still be approved for a loan.
  • 24/7 online approval: You can apply for a loan with us any time of day or night, any day of the week. Our online application process is available 24/7, so you can apply whenever you need to.
  • Wire transfer or Email Money Transfer: Once your loan is approved, we can wire the funds directly to your bank account or send you an Email money transfer. This means you can have access to the cash you need in a flash.
  • No collateral required: We don't need you to put up any assets, like your car or home, as collateral to get a loan.
  • Easy application process: Our online application process is simple and straightforward. You don't have to worry about submitting any documents, as our process is completely digitized.
  • Guaranteed approval: We provide a 100% approval guarantee to all applicants who meet our simple eligibility requirements.

Eligibility Requirements for Instant Payday Loans in Canada with Focus Cash Loans

To be eligible for an instant payday loan with

Focus Cash Loans in Canada, you must meet the following requirements:

  • Be at least 19 years old
  • Be employed or receive a steady source of income, such as EI (unemployment insurance), Worker's Compensation, CPP (Canadian Pension Plan), or Private Disability
  • Have a bank account where your income is deposited
  • Have a phone number where you can be reached

If you meet these requirements, you can apply for an instant payday loan with us.

Loan Limits and Repayment Terms for Instant Payday Loans in Canada with Focus Cash Loans

With Focus Cash Loans, you can borrow up to $1,500 for your instant payday loan. However, the loan amount is limited by provincial and federal payday loan regulations and is currently set to up to $1,500 or 50% of your paycheque, whichever is less. The loan fees are $15 for every $100 borrowed, and the interest rate (APR) of the $15 loan fee per $100 borrowed will vary depending on the number of days you are given to repay the loan, usually until your next payday.

If you qualify for an installment repayment plan, you can repay your loan over 2 to 3 installments in up to 62 days (you must qualify).

Paying back your instant payday loan with Focus Cash Loans is straightforward. On your loan due date, we will debit your bank account for the loan principal amount plus the loan fees. Your payday loan payment will correspond with your payday. If your loan due dates do not match your paydays, please contact us to make the necessary changes.

Why Choose Focus Cash Loans for Instant Payday Loans in Canada?

We know you have a lot of options when it comes to getting a loan. So why should you choose Focus Cash Loans? Here are a few reasons:

  • Fast and easy application process: Our online application process is quick and easy, so you can get the funds you need in a snap.
  • Guaranteed approval: We provide a 100% approval guarantee to all applicants who meet our simple eligibility requirements.
  • No credit checks: We don't run credit checks on applicants, so you can still be approved for a loan even if you have bad credit or no credit history.
  • Wire transfer: We can wire the funds directly to your bank account, so you can have access to the cash you need in a matter of hours.
  • No collateral required: We don't require any collateral to approve your loan, so you don't have to put up any assets as collateral to get the loan.
  • Professional and reliable: We are a licensed and reputable online payday loan company that has been in business since 2008. We pride ourselves on providing the fastest and most convenient service to our customers.

So there you have it, Canada! If you're in a tight spot and need some fast cash, Focus Cash Loans is here to help. Our instant payday loans in Canada provide a fast and easy way to get the funds you need without the hassle of traditional loans. With no credit checks, wire transfer options, and easy repayment terms, we make it simple to get the cash you need. Apply now and get the funds you need today!

Instant payday loans in Canada are a type of short-term loan that provides quick access to cash when you need it most. They are typically designed to be repaid on your next payday.

To qualify for an instant payday loan with Focus Cash Loans in Canada, you must be at least 19 years old, have a steady source of income, such as employment or government benefits, have a bank account, and have a phone number where you can be reached.

With Focus Cash Loans in Canada, you can borrow up to $1,500 for your instant payday loan. However, the loan amount is limited by provincial and federal payday loan regulations and is currently set to up to $1,500 or 50% of your paycheque, whichever is less.

Yes, you can still get an instant payday loan in Canada with bad credit or no credit history. Focus Cash Loans does not run credit checks on applicants, so you can still be approved for a loan even if you have bad credit.

Applying for an instant payday loan in Canada with Focus Cash Loans is easy. Simply fill out our online application form and get approved in minutes. We offer a 100% approval guarantee to all applicants who meet our simple eligibility requirements.

With Focus Cash Loans in Canada, you can receive your funds in as little as 30 minutes via wire transfer. We pride ourselves on providing the fastest and most convenient service to our customers.

No, there are no hidden fees with an instant payday loan in Canada from Focus Cash Loans. We charge a loan fee of $15 for every $100 borrowed, and the interest rate (APR) of the $15 loan fee per $100 borrowed will vary depending on the number of days you are given to repay the loan.

Repaying your instant payday loan in Canada with Focus Cash Loans is straightforward. On your loan due date, we will debit your bank account for the loan principal amount plus the loan fees. Your payday loan payment will correspond with your payday. If your loan due dates do not match your paydays, please contact us to make the necessary changes.