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!๐Ÿ‘๐Ÿ‘๐Ÿ‘
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 People

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 People 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 People since 2008.

Types of Loans for Bad Credit People

We all experience times when we are in need of something or need to pay for something but canโ€™t. This happens with everyone because people have been unable to remain satisfied with whatever they have got. These wishes sometimes result in financial crunches that can be difficult to cope with. You might face problems that you never expected to get into. Things like bankruptcy, arrears, pending installments and payments become common issues with a few people. For people who suffer such situations, there is one solution that acts like a boon to them, i.e. loans for bad credit people like them. The bad credit is associated with their inability to deal with financial situations. Their record becomes stained and they might face difficulties in securing a loan. But this is a thing of the past as they are numerous banks offering easy loans for bad credit people. These loans are broadly divided into two categories namely secured loans and unsecured loans. Both kinds have their own advantages, which are explained in the text to follow.

The two types of loans for bad credit people

Secured loans are a type of loan that needs you to show collateral against the loan amount. Collateral is of different forms, and you can use something as security that the lending bank/institution agrees to. Collateral could be your house, your car, some bank account or some important documents. The security remains with you till you are paying the installments on time. The bank would provide you extensions on certain occasions, but you will need to abide by the time set by the bank.
Though secured loans demand something to be kept as security, they are more advantageous than their unsecured counterpart. The bank is assured of their money in the form of a security, and hence the interest rates are much lower than they would be in the case of an unsecured loan. Also the loaning amount can vary from a small sum to a huge sum, but the collateral you provide will have to be according to the sum you borrow. Many financial institutions set bars on minimum and maximum amounts so that they are not cheated by lending the secured loans for bad credit people. Another advantage that comes with the secured loans is the loan period which is much longer than those associated with unsecured loans. Hence, if you are in need of money and have had a bad credit history but have something to use as security, then you can choose the option of a secured loan.

Unsecured loans are a good option to solve your financial problems even if you have a bad credit history. These loans are for people with all kinds of credit history and donโ€™t even ask for collateral security. The loans can be easily secured, and you can get the urgent cash needed to solve any kind of financial crisis. The fact that you do not have to keep any collateral with the lending authority makes this a very popular option.

Like the secured loans, unsecured loans also have a catch. Unsecured loans do not ask for collateral, but the rate of interest will be higher than in other cases. Also the amount which can be borrowed is limited and many hesitate to provide even moderate amounts. The time period is not as wide as the ones related to secured loans. Hence you need to pay larger installments in terms of the total amount loaned. Even with all these disadvantages, they solve the problems of loans for bad credit people and with no security required are great sources of instant money.