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 Loan For 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 Loan For 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.

We are the leading provider of Loan For Bad Credit since 2008.

Valid Reasons To Look For A Loan For Bad Credit

A bad credit should be a good reason enough to control your expenses in order to avoid getting deeper into the mess. Most of us get into a bad credit because we cannot control our financial needs, and we rush into borrowing money which we cannot even payback. The best thing to do when you find yourself in such a mess is to try to repair your credit first before borrowing more money. However, this does not mean that you should not look for help whenever you are in an urgent need of money for a need that cannot wait until you repair your credit. That is why looking for a loan for bad credit will not be a bad idea at all.

Why Seek For A Loan For Bad Credit?

Not all reasons are valid enough to make you go for a loan for bad credit, because some of the needs can be made to wait instead of making you get deeper and deeper into debts. A need to renovate a house for instance, is not good enough because you can repair your credit and look for a loan to do it. Better still, you can repair your credit and save some money for house renovation in future. Having misplaced priorities is what gets people into the debt mess, and many people continue to sink deeper into the mess because they cannot postpone less urgent needs until that time that they are able to deal with those kinds of needs.

However, there are some house renovations that are of an urgent need. If for instance you have a leaking roof, you may need money urgently in order to have the roof repaired. This will call for a loan for bad credit if already you have a bad credit. Also, if your house has been damaged by, say, a natural calamity, and you need to renovate it urgently, this is a good reason to look for a bad credit loan. However, note that the urgency of a need is what will make it valid or not. Just be sure that the need cannot wait before you proceed to seeking a loan for bad credit.

Another urgent need like a medical need can prompt you to look for a loan for bad credit. This is a reason that any money lender will agree with in case you borrowed money and you had a bad credit. Hospital needs cannot wait; as soon as they are experienced, they need to be attended to immediately. This is a good reason to look for a loan even with your bad credit in order to cater for such a need. If you are a business person too and your truck or car, which is used for the business endeavors, is in need of an urgent repair, you can still ask for a loan even if you have a bad credit. This is because the truck may save your business and you could be able to repay back all the loans that you have.

Many money lending companies dealing with loans for bad credits do not care so much about the need you have, therefore it is up to you to discipline yourself on whether to go for a loan for bad credit or not. If you already have a bad credit, seeking more loans will make matters worse because the more money you borrow, the more deep you get into debts. That is why it is always recommended to reconsider before you contact a moneylender, because after you contact them and they agree to lend you money, you may not be able to look back.