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.

Reliable Money Lending Institution That Loans Bad Credit Rating

Having a bad credit rating is not a big deal at all; it is quite common especially when we are experiencing bad economic times. It is possible that your financial needs are so much such that you are unable to repay all the money that you have already borrowed. This does not mean that you will not be faced with any financial needs at all. That is why you will be looking for that institution that loans bad credit rating without considering your credit status. There are money lending institutions that believe that people can still repay loans even when their credit ratings are low, that is why they still lend money when required to do so.

Institutions Available To Give Money To People With Loans Bad Credit Rating

Picture of family that got Loans Bad Credit Rating - Cash in a 30 minutes!Banks are some of these institutions. A bank loans bad credit rating when the need for the money is of an urgent nature. If for instance you have a need that cannot wait until you are able to repair your credit rating, all you need to do is to approach your bank for a loan. If you have a history with the bank, maybe you barrowed money before and you paid within the required period of time, the bank will consider you for a loan without making the conditions strict. You can even get the loan hassle free because the bank already knows that you are capable of repaying the loans. But if the need is not urgent at all and your credit rating is way too low, the bank will not agree to loan you the money until that time when you will repair your credit.
Credit unions also loans bad credit rating. If you want money and your credit rating is way too low, you can get the money you need from a credit union of your choice. Credit unions are well known for overlooking the credit of the borrower when they are granting loans because they believe in financial needs and how times can be hard to a point that a person is not able to meet all their needs with the money they have. With so many credit unions in the country, do not hold yourself back any more if you have a need that is urgent. But for your own sake, ensure that the need is really important to avoid having so many debts in the end, which can be hard to pay back.
We also have pay day loans for people who have a bad credit rating. There are institutions which loans bad credit rating as pay day loans, and the borrower of the money is expected to pay the money back after a certain period of time. The money can really be useful if the need you have is urgent, because these pay day loan are processed faster and easier. However they carry a very high interest rate such that you will be required to pay so much money in the end. Actuyally, as the days go on, the interest rate increases; therefore it is better if you pay the money earlier.
There are online lenders who loans bad credit rating. You can easily get these online lenders in order to get the money you want for your needs. They are easy to get and they will not base the loan issuance on your credit score, which is a great advantage of getting money online. It is good to note that other institutions offer interest rates quite high and one ends up paying so much money in the end when you borrow money online. Another disadvantage is that not all lenders are genuine; therefore there is a possibility of being duped by some online money lenders. It is advisable to be very cautious.

Loans Bad Credit Rating Video