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.

Loans For People With Bad Credit Rating

Credit History is, in many countries, a record of an individual or company’s past borrowing and repaying, including information about late payments and bankruptcy.A person with a bad credit rating is someone who has had a history of defaulting on repayment in the past.

Nonetheless, loans for people with bad credit rating are still available. It’s possible to get financing otherwise known as bad credit loans. Bad credit loans have helped majority of people from becoming financially crippled.

Canadian bad credit personal loans
Picture of family that got Loans For People With Bad Credit RatingLoans for people with bad credit rating can use these loans as per their needs, such as paying rent, tuition fee, purchasing home, car and even debt consolidation. Debt consolidation is the option of borrowing from one credit source to repay other debts and deal with a central credit facility, to ease pressure from numerous creditors and to lower the interest rate at which you repay the loan. Many other different types of bad credit loans are available in Canada Ontario to Canadians in all provinces which, amongst others, include Canada Ontario cash advance loans, Canada Ontario secured loans, Canada Ontario no credit loans and Canada Ontario fast cash loans.

The lending institutions can avail the personal bad credit loans in two ways namely: secured personal loans and unsecured personal loans. Secured personal loans are loans that require you to place collateral (i.e. Your home) and is payable over a period of between 5-25 years. Unsecured loans don’t require collateral but the repayment period is shorter.

Lenders who specialize in loans for people with bad credit rating have minimum income requirements. Canadian car loans for people with bad credit rating will focus on your total income as well as how secure that income may be. How long you have been employed at your current job and how long you have lived at your current address are factors that will be important to evaluating your ability to pay. If you have been employed less then 2 years at your current job or have lived at you current address for less than 2 years the lender will request information regarding your previous employment and or previous home address.

There are a number of requirements that you have to meet so as to qualify for a non secured payday loan: You must be a Canadian citizen, you must be 18 years and above, you should be a regular employee in an organization recognized by the government, you should have a chequing account in a bank and your income should be at least $1000 per month. If you meet the criteria then you qualify for loans for people with bad credit rating.

One way to get loans for people with bad credit rating is through the online application process. First of all find the best suited option for personal loan and then visit the official website of the concerned organization. After filling online application, you will receive the fast approval -if you meet the eligibility criterion successfully. The rest will be taken care of by the concerned bank. You simply need to complete the easy, hassle-free online application and your money could be transferred to your account within 24 hours. No meetings with bankers, or long drawn out approval processes required. Credit history is also not a requirement to getting these loans.

You can also go with offline application; research on the suitable bank, then go to the bank where you apply for the loan. They will tell you what their requirements will be for the application: proof of income, work history, credit, etc. They will be happy to explain the whole process to you. It will vary some from bank to bank but not a lot.

Loans For People With Bad Credit Rating Video