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.


Being at the point where one is considered to fall under the bad credit category automatically means that one has problems with handling their bills. The situation becomes even more critical when you are surviving on benefits as usually it implies that your financial status is in a really bad condition. While government grants and benefits come in handy to aid people in such circumstances at least be able to meet their basic needs, the truth of the matter is that the amount that one receives from grants/benefits is often too little to rely on in meeting most if not all your daily needs. This therefore calls for an additional ‘source’ of income. The tricky part however is while under normal circumstances you would have applied for a loan, this may not be an easy or rather practical alternative now that the so called traditional financial institutions are too scared to lend you money because of your credit records. But does this mean the end of the road to you?

Picture of Loans for People with very Bad CreditEasy To Get Loans For People With Very Bad Credit With Or Without Collateral

No, what many people on benefits do not know is that they still stand to receive loans for people with very bad credit. The sole purpose of many of the available loans for people with very bad credit Canada is to provide a suitable foundation for bad credited citizens to slowly build up a good credit history and at the same time comfortably meet their bills. Among the many bad credit loans given in Canada, Payday loans for people on bad credit have proved to be the most beneficial to a large percentage of citizens on benefits. The reason behind the high preference of payday loans for people with very bad credit is the fact that it takes a very short time to receive a payday loan. Payday bad credit loans are quickly approved hence making it possible to instantly deliver the amount to the borrower’s account. They serve best emergency situations where you need cash urgently.

Nevertheless, there is a common misconception that people with bad credit records and on benefits may never easily receive a loan to purchase a car. On the contrary though, when you’re in a situation where you really need a car for instance to help you easily reach at your workplace particularly when the distance between your home and your place of work is too far or expensive to use other alternative means; you should not be misguided that obtaining a loan that can enable you purchase a vehicle is difficult. There are loans for people with very bad credit specifically designed for people on benefits who need assistance to acquire personal vehicles for their daily basic needs.

These two are just some of the readily available loans for people with very bad credit and on benefits that one can take advantage of and improve their living conditions. What makes this loans very different from other loans one may be accustomed to especially when it concerns those on benefits and grants, is they do not demand for collateral. Requirement of collateral has been a major reason why many people in dire need of money find themselves unable to receive financial aid and this is why this requirement is not put on many loans for people with very bad credit as such loans are not only meant to help your fix the urgent need of money that you may be having but also is geared towards helping one fix their bad credit history. Therefore lenders are not usually after interest but after seeing your financial status take a positive turn.

Anyone on benefits should not be afraid to take bad credit loans available for them as these loans also provide an opportunity to increase your credit rating by ensuring you meet the repayment terms and conditions. Doing this is never a problem for these terms are normally made as friendly as possible to the individual’s situation and with good planning; everything should be able to run smoothly.

Loans for People with very Bad Credit Video