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.


In as much as many people panic when they realize that they have a bad credit history, there are money lending companies and institutions that believe that a less perfect credit history is not an indication that the person borrowing the money is likely to fail to pay the money borrowed in the end, that is why we have institutions that still offer loans for people with bad credit history. These are institutions which believe that financial needs are inevitable and despite the fact that people have credits, they will still ask to borrow more money because financial needs will always be there. It is possible these days to get an institution like that, and all you need is to let tem know of your financial needs and credit state and they will be more than willing to serve you.

What You Need To Know In Order To Get Loans For People With Bad Credit History

Picture of Loans For People With Bad Credit History There are so many online lenders for instance who offer loans for people with bad credit history. These online lenders market their services online, and all you need to do is to look for them via the search engines and to contract them later on. On thing to consider when borrowing money from online lenders is their lending rate. There are some whose rates are quite high and there are others whose rates are low. There are those who issue out loans as per the credit score of the borrower. All you need is to do your calculations rights and go for the least rate so that you can pay less in the end. Another thing to consider is the repayment period. Always be sure about the repayment period before getting the loan.
Credit unions are other places to look for when you are looking for loans for people with bad credit history. The best way to get such loans is when you have a good history with a credit union. If you have, you will get the money with no hassle at all. The good thing about credit unions is that they can easily overlook your past credit problems and this means that they can lend you money without basing it on your bad credit situation. However, you need to try with a small loan in order to see if they are really good before venturing into major loans. But this will definitely depend on the amount of money you are looking for and the urgency of the financial need.
It is also possible to get a loan from the bank even when you have a bad credit. Banks are the leading money lending institutions that people trust so much. They can also ignore that fact that you have a bad credit history and give you another loan hoping that you will pay up sooner or later. However, when applying for loans for people with bad credit history, you should be prepared to deal with a very high rate of interest. Banks do not want to deal easily with you when they are not sure if you will pay the loan on time or not.
These are just but some of the places you can look for when you are looking for loans for people with bad credit history. The bottom-line is that money lending institutions will lend you money irrespective of your credit score. The only difference in the lending will be that you may be required to pay more in the end. But you can get the loan without necessarily dealing with a high interest rate and this is when you come in with your own co-signer who will represent you. If he has a good credit history then you will get the money easily.

Loans For People With Bad Credit History Video