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 Loans For Bad Credit 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 Loans For Bad Credit 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 Loans For Bad Credit Canada since 2008.

Fix Low Credit Scores With Debt Consolidation Loans For Bad Credit Canada

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

Debt 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.