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.

How to Qualify For Loans for People with Very Bad Credit

Financial needs are always there with us, and they will require us to have money in order to cater for them as they come. But there are times when we are faced with financial needs that are beyond our means, requiring us to borrow money over and over again to a point where we are unable to pay all the loans at once. This is how we end up with bad credits. But this does not mean that we cannot get money at all. We have loans for people with very bad credit that are issued out by different money lending institutions both online an offline these days. What you need to know is how you can get money even if your paying ability is not good and you will have all your needs well catered for.

Simple requirements needed for Loans for People with Very Bad Credit

Picture of family that got Loans for People with Very Bad Credit - No Faxing Required!Before looking for these loans for people with very bad credit, you need to be sure that you really want the money. This can only be done through analyzing the needs that you have and trying to find out if they are really important or not. There are people, whenever they are faced with a need; they rush into borrowing money, which is how they end up with so many unpaid loans and a bad credit in the end. If you can only borrow money for an urgent need, then you will be able to manage the debts that you will be having in the end. There are needs that can wait until you repair your credit, therefore do not rush into borrowing money if the need is not urgent.
You need to know your credit score before borrowing any money. Loans for people with very bad credit are issued out according to the credit score of the borrower. If your credit score is way too low, you need to try as much as possible to repair it before you can borrow the money. You need to raise it a little bit more in order for the money lender to feel at ease when lending you the loan. Every person has a right to at least one credit report every year; therefore you need to look out for this credit report in order to ascertain your credit score. This is after all what will be used to determine the interest rate that you will be charged for getting the money.
If the credit score is way too low, consider getting a co-signer. A co-signer may be a relative or a friend that you are really close to and the one who can trust you enough to stand in for you as you borrow more money. This is a person that can trust that you will pay the money back. The co-signer needs to have a good credit so that you can get the money easily and in the best lending rates ever. This way you will qualify for the loans for people with very bad credit without any issues at all.
There are loans for people with very bad credit in many banks all over the country. Many banks overlook the credit score of a borrower especially if the need for the money is urgent, like for paying hospital bills or for school fees. What you need to do in order to qualify for the money is to contact your bank and to come clean about your credit score. Chances that the bank will trust your ability to pay all the money loaned to you after the problem is over are high when you are honest with it. That is why you need to be clear about it.

Loans for People with Very Bad Credit Video