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.

Emergency Monitory Solution is Loans For Bad Credit Rating

The worst thing that could ever happen to someone is to have problems and have a no sure way to solve them. At times some issues requiring money are unpredictable or you might be expecting money to pay up your bills which eventually do not show up. When these kinds of issues arise, the first thing that pops up in peoples minds is to borrow. Borrowing from friends or family can be tricky as there is no assurance that they will be willing to assist. The next alternative is to borrow from a financial institution. Most financial institutions don’t just give you a loan when you apply for one. They dig deep into your accounts to investigate your financial history and identify whether you are worth a loan. If your account does not reflect a good trend, then the possibility of getting a loan is low. You may also not have collateral to be able to secure a loan. People with such kind of problems should seek loans for bad credit rating.

There are several factors that make a person be rated as having a bad credit rating. This factors include; Bankruptcy, ccj, late payments, defaults, poor credit status etc. Even with all these short comings, one can still access a loan. The lender has to check on the repayment ability of the person applying for the loan. The applicant has to agree with the terms and conditions of the lender.

Categories of loans for bad credit rating

Picture of Loans For Bad Credit RatingThere are two categories of loans for bad credit rating; unsecured loans for bad credit rating and secured loans for bad credit rating. Unsecured loan for bad credit rating is a loan for people with bad credit and need an emergency money source. They may also not have property to use as collateral or the property they have they may not want to risk them. This makes them look for a loan that does not need collateral as a security.

Tenants or other people who do not own properties can access a loan through this type of a loan. This loan is helpful to low income earners because they can access a loan when issues arise or they may be having delayed payments and the need to pay bills in time. The interest rates of this type of loan may be higher than secured loans and it is always advisable to acquire this kind of a loan on short time bases. Most lenders prefer people with employment for they are reachable and have a way of paying back the loan. This puts them in a better position as they have a regular income.

The other kind of loans for bad credit rating is Secured loan for bad credit rating. In this kind of loan collateral is needed. This means that you need to have property like; a house, car, business or other things of valuable nature. These things are used by the lender as the security in the event that one is unable to repay the loan.

One should be particularly careful with this kind of a loan. This is because one can loose his or her personal property because of failure to pay back the loan in time. This kind of a of a loan has a lower rate in that the person lending the money has a kind of security that he or she can be able to seize items given by the applicant as security. The person lending the money is at liberty to sell the seized items to recover the money loaned out. To avoid this, pay the entire installment in time or according to the agreement with the lender.

Loans For Bad Credit Rating Video