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!πŸ‘πŸ‘πŸ‘
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 Rating

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 Rating 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 Rating since 2008.

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

There 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 basis. 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 lose 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.