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.


It’s a fact that many people are on bad credit rating due to the financial challenges that have become even more as a result of economic setbacks among other major contributors of the same. Fortunately, times have changed and in our present times, it is not as difficult as it used to be for people with bad credit to receive loans. Well, though traditional financial institutions may still not approve your loan request, you nevertheless stand chances or obtaining loans for people with bad credit Canada through the Bad Credit Loan Program. Due to the differences in individual situations however, it is very important to know the available loans and their advantages when it comes to their terms of repayment and purpose, before narrowing down to that particular loan you would like to apply for.

Picture of family that got Loans For People With Bad Credit CanadaDifferent Kinds Of Loans For People With Bad Credit Canada

There are a quite a number of loans for people with bad credit Canada that one can consider for application. Personal loans for people with bad credit Canada are usually top on the list. These loans are given to people who would like to settle urgent personal financial demands which may include an urgent need to pay school fees for your children, business demands and in cases where for one reason or another, your current financial status does not enable you to pay house rent in time as per your agreement with the Landlord. Personal loans are the most highly sorted after bad credit loans in Canada and for this reason, they are made easily available to everyone online so that applications can be quickly made when need arises.

Car loans for people with bad credit Canada are also in very high demand. As with car loans, there may be need to specify what actually you need the loan for as there are loans for car repair, loans for purchasing a car and even loans for acquiring car title. Such a loan can be of great help when for instance your car gets a major breakdown in the time of the month when you do not have money and you really need the car back on track for your daily routines to run smoothly. Car loans Canada are nearly similar to payday loans when it comes to approval and instant delivery of the loaned amount as the level of competition for car loans bad credit is very high. It may only take you a day or at most two for your car loan request to successfully go through.

Equally important when it comes to bad credit loans Canada are Home Loans for people with bad credit Canada. Home bad credit loans are there to make it equally possible for those with bad credit ratings to still have an opportunity of purchasing their own home just like people with good credit records. Bad credit loans for buying a home are very convenient as they often charge a very low interest rate, so that you do not have problems meeting the repayment conditions. Most bad credit companies will also ensure that the interest charged is on a fixed basis to enable the borrower know what amount they have due and therefore plan on how they are going to repay without qualms.

Finally, we have payday loans and debt consolidation loans for people with bad credit Canada. Payday loans specifically target those with bad credit but on some kind of employment and have a really fast approval system making them the most appropriate to seek when in an emergency cash situation. On the other hand, debt consolidation loans are given to enable a person on bad credit pay his other many debts and be left with only one debt to think about which has very borrower-friendly repayment terms.

Loans for people with bad credit Canada Video