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 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 People With 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 People With Bad Credit Rating since 2008.

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

Loans 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.