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 Very Bad Credit

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 Very Bad Credit 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 Very Bad Credit since 2008.

How Loans For People With Very Bad Credit Gain From Bad Credit Loans

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?

Easy 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.