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.


Having low credit scores has huge consequences, ones which every person should avoid at all costs. Anyone who is concerned with the status of his/her finances should always ensure that they have good credit rates. But though a desire to many people, for one reason or another, a large number of people find themselves with bad credit scores. Being in this kind of a situation is never the problem, the main problem stems from the inability of one to improve their credit scores and as a result having to suffer the consequences of bad credit for as long as it may take.

However, no matter how bad your credit records look, going from poor records to very good credit rates is not impossible if a person is really determined to improve their financial status for the better. One best way is by using the debt consolidation loans for bad credit Canada. You may be wondering how taking a loan can help you end your debts. Well, particularly when you have a number of debts that have to be settled, one is usually at a disadvantage when all your respective debts have piling interests and you are not in a position to settle them currently or even in the near future.

Loans For Bad Credit Canada Have An Answer To All Debtors

Picture of Loans For Bad Credit CanadaDebt consolidation loans for bad credit Canada provide one with the opportunity of settling all or part of your debts at once remaining with only one debt left for you to settle. The larger the equity one can provide for the loan the more the amount you stand to receive and therefore depending on the amount you would like to be given or rather how much debt you want to settle at once, the equity placed for the loan will vary. With many of ones debts settled, it goes without saying that their credit record status improves.

The debt consolidation loans for bad credit Canada not only makes it possible for a person on bad credit to fully clear his impending debts but also has very attractive terms of repayment relieving you of the pressure to settle your other debts as was previously the case. For instance, people who receive debt consolidation loans for bad debt Canada are normally considered a reasonably long period of time to repay the debt. Lenders usually ensure that the period a borrower is allowed is long enough to allow them to comfortably pay their installments and still meet their daily financial demands with ease. Moreover the installments are made small and very affordable to the borrower as Lenders are often willing to assist a person be totally debt free after repaying their debt consolidation loan and as a result see to it that their credit records increase.

When going for debt consolidation loans for bad credit Canada, there are a few considerations one should however make. Most important is that the borrower ought to have carefully scrutinized their current income level. At this point the one thing you clearly are running away from is an uncalculated debt. Applying for debt consolidation loans for bad credit Canada should therefore be a calculated step. In that, due to the obvious fact that you must repay it, everything within your reach should be done to ensure that the installments needed for repayment fall within your financial range. If from your own point of view you do not think you can manage to pay the required installments, the best advice is to keep away from the loan.

After your credit history is what you would like it to be, you will have freed yourself from unnecessary expenses like extra rent deposit by the landlord and higher insurance premiums by your insurance company. This will then leave you in a better position to improve on the position of your finances.

Loans for Bad Credit Canada Video