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!👍👍👍
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 People With Bad Credit History

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 People With Bad Credit History 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 People With Bad Credit History since 2008.

It Is Easy To Get Loans For People With Bad Credit History

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.