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 History

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 History 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 History since 2008.

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 you 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 creditworthy. 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 Equifax or Transunion. 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

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’s economic situation. Until there is change, you have to cash in on the lenders that are willing to lend them money. As with all loans, there is an approval process on loans for bad credit history. This type of 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 in 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!