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.

Reality of Loans for Bad Credit History

Many Canadians are knee deep in debt. Even the United States has debt problems. Many individuals suffer from debt stress. Are daydreaming of loans for bad credit history? What do you consider to be bad credit? Could it be only a few late payments? Does bad credit only apply to bankruptcies and repossessions? Bad credit comes in all forms and creditors have their own way of determining if an applicant is credit worthy. Your late payments on your car note could be the determining factor. How about when you lost your job and left pulled out your lease a month early? These are factors that leave many people to look for loans for bad credit history. Many people do not know what their credit history looks like until they apply for a line of credit and is denied. This is the most frustrating part and regret follows shortly afterwards. That is why you should request a copy of your credit report every year. Every credit reporting company (i.e. TransUnion, Equifax, and Experian) does not report the same information. You would have to pull your report from each bureau separately. You are entitled to a one (1) free credit report if you request it from You should always know where you stand. The question is, do they really exist? Luckily for you, they do exist and they are very straightforward. There will be no guessing on your end if you meet a few simple conditions! There is no need to be ashamed of your bad credit history. Many Canadians have had to live on means of credit and because of this, they have to wear the mask of shame.

Cashing in on Loans for Bad Credit History

Picture of Loans for Bad Credit History Loans for bad credit history can be tricky to find. There are many double-dealing companies out there whom lead customers on with their treacherous language. Don’t fall victim to another scam! Your imperfect credit is already enough strain on your situation. Creditable loans for consumers with bad credit have modest requirements. You may wonder why would someone want to extend credit to someone that has proven that they do not have a great payment history? The answer is clear. Someone has to give the 2nd chances. It is true the country’s belief of what “they” believe good credit should look like is beyond its time. It does not match today economic situation. Until there is change you have to cash in on the lenders that are willing to lend the money. As with all loans, there is an approval process on loans for bad credit history. This type if verification came in to play after 911. It is important that all directions are followed to the tee. Military personnel are encouraged to apply as well. This is a great way of giving back. It is understand that you don’t want to stand on the shadows of your credit report. Be careful reapplying to traditional loans and your credit is not to their standards. Every inquiry is a ding on your credit report. This will further lower your credit rating. These loans for bad credit history are real and have been on the rise since the early 1990’s. Many have just held on to the reigns and riding it out. Since the economy is in a slump, payday loan companies have really came through for a considerable amount of Canadians. With all loans, you should strive to receive your loan too. Don’t expect big changes to your credit report after paying off a bad credit loan. Loans for bad credit history are the future!

Loans for Bad Credit History Video