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 Ratings

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 Ratings 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 Ratings since 2008.

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

Payday 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.