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.

Cheap Loans For Bad Credit In Canada

Bad credit had become a reason for anyone to be disqualified from being able to get a loan. This is not the case anymore as a person can be given loans for bad credit in Canada despite the fact that their credit report does not represent what many used to call the favourable conditions for getting a bank or any other lender to offer you their services. These banks have come to realize that investing in those bad credits could also be beneficial as they also bring in interest. With the hard economic times most people are ending up in debt so if all of them are turned away by the banks then the lenders might as well have to go out of business.

Affordable And Manageable Loans For Bad Credit In Canada

Loans For Bad Credit In Canada. Apply now! Get Money in 30 minutes! The first thing to do when looking for affordable loans for bad credit in Canada is to do research. Luckily the internet provides people with all the information they require about loans. There are also websites for these banks and companies where one can inquire about the different types of loans and more importantly the ones which suit the one in debt the best. Research also includes asking other people who may have taken up a loan on how the went about. They may also be able to point out some of the things to look out for in getting a loan.
After doing research and deciding on which bank you think will meet your needs, the next thing to do is to find out which loan you want and which category you fit into. The loans for bad credit in Canada are mainly two. These two loans are different but they suit whoever choses to use them. They include the secured and unsecured loans.
The secured loan for starters is a loan where the borrower is required to have something of value in their could be a piece of land or property, a vehicle or anything of the same value or even more than the amount being offered in the loan. The valuable component is then offered to the lender as a form of collateral. This acts as a kind of leverage for the lender in the case where the borrower is unable to come up with the money in the stipulated time. Since both parties are taking risks, that are the lender with his money and the borrower with what he offered as collateral, they can both rest easy after the transaction.
The borrower however hangs on to the documents that proves that he owns what was offered to the lender as collateral until the time for payment is due and he has to come hand over the documents to the lender as he will then be the new owner of the given asset. However the borrower is given a time extension and low interest rates because the lender is comfortable he will be compensated even if he waits. That is how secured loans for bad credit in Canada works.
The other type of loans for bad credit in Canada is the unsecured loan. This loan suits those who have no assets to offer as collateral and even if they do, it is for those who are looking to get money which they are sure they will be able to pay back soon without any delay. The borrower does no need to offer anything as collateral. They however cannot ask for a large amount as the bank or money lenders will feel they are taking on a huge risk as they have nothing to bargain with if the borrower is unable to pay up in time.

Loans For Bad Credit In Canada Video