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.

The Rainbow of Loans for People with Bad Credit Ratings

Do you know your credit score? Do not feel ashamed. Believe it or not, there are many Canadians that have no idea what their credit score is. Many consumers apply for loans with their eyes glued shut. This is not smart. If you don’t know your credit score, you have no idea where you should begin. Would you buy a car without test-driving it? This should apply for loans for people with bad credit ratings. If your credit score is below 650, bad credit loans might be your only choice. Many consumers do not know that these types of loans exist. Many are ignorant to the fact that there is help available. There are different types of loans available that just about anyone can receive. For example, pawnshop offer loans to desperate consumers who are looking for a few bucks. They don’t care if you have a job or not. You relinquish your property if you fail to pay back all of the loan as well as the interest that as incurred. This is what I call pawn sharking. You lose your valuables and it is sold for way more than the amount of money you received. All loans for people with bad credit ratings are not created equal. The requirements are different as well as an arrear of other things.

Loans for People with Bad Credit Ratings Do Not Discriminate

Picture of family that got Loans for People with Bad Credit RatingsPayday loans are another type of loan that individuals with bad credit can obtain. The requirements are minimal and the process is easy and fast. Payday loans are often referred to as cash advances. They are used to help all types of people from all walks of life. Problems that people experience do not discriminate. That bump on the road that blew your tire didn’t discriminate. No matter what your past credit mistakes were, a cash advance will approve you if you can meet small requirements. Loans for people with bad credit ratings are rapidly becoming popular because of this convenience. It does not matter if you are have been in bankruptcy or in bankruptcy right now, payday advances will say yes. There are few requirements. It is also good to already have a set of reference prepared. To ensure completely smoothness during your approval process, ensure that you list references other than just family members. Loans for people with bad credit ratings do not have to be painless. It is a rather smooth process. You can receive an approval with in minutes of submitting your application.  After the approval, money will be in your account as fast as 24 hours. Does that sound easy? Who would not want to avoid long waiting in bank lobbies? The stale cookies and coffee is not enough to suffice when loan officers deny you your loan.  If you meet the above qualifications, you too can fix your unexpected problems. No matter what issues plague you, don’t lose your valuables to pawnshops! Be careful with all loans for people with bad credit ratings. Practice responsibility at all times. Remember that you only allowed out one loan per pay period. Don’t fall victim to trying to avoid paying your loan. You are obligated by law to pay monies that were given to you back. When completing your loan application ensure that your privacy is protected and you are completing your application in a hacker safe website. Internet safety is a big deal when you are trying to get your credit back on track. Loans for people with bad credit ratings is in your back pocket.

Loans for People with Bad Credit Ratings Video