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!πŸ‘πŸ‘πŸ‘
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 On 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 On 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 On Bad Credit since 2008.

It’s Easy To Get Personal Loans On Bad Credit

Personal loans are very easy to get in many money lending institutions in the country. They are also very useful, especially if you have a personal need that cannot be met with all your savings and the money you are earning at that moment. A problem comes when you are having a bad credit already, and you start feeling as if you cannot be considered for personal loans on bad credit despite the fact that you are also needy and you do not have enough money to cater for your needs. This is not usually the case with most money lenders. They issue out personal loans even in such situations as bad credit because they believe in debtors paying back the money despite their current situations.

Simple Requirements Needed For Loans On Bad Credit

In order to get started well in acquiring a loan on bad credit, you need to look for a money lending institution which deals with loans on bad credit first. Not all money lending institutions deal with those kinds of loans, therefore you will have to look in the market, or even online in order to gather as many institutions as possible so as to make a comparison in their services thereafter. Start with the bank whose services you use more often. It could have such loans at a rate you would like. Consider other banks as well, and then you can proceed online if you are not able to get a bank with the kind of terms you need with year credit situation. When you do your search over the internet, you are likely to get so many of these money lending institutions, some operating online and others offline.

You also need a valid reason as to why you need the money urgently. You could have at least waited to repair your credit before seeking another loan, especially if the need is not that urgent. Loans on bad credit need not be taken for any other use but for urgent needs only, that cannot wait. But if the need is urgent, then you can proceed to compare the money lending institutions that you already have got from your search. Analyze your needs first in order to compare well. Do away with those that do not come close to what you are looking for so that you can be left with only a few to compare.

The next thing to do is to compare the terms and conditions of the different money lenders so as to ensure that you have got only the best in the market to deal with. Apart from the terms and conditions, you need to look more into all the other charges that are usually hidden, which could make you pay so much money in the end. There are money lending institutions which include so many changes, and they do not care to explain them to their clients. You do not need the loans on bad credit from these lenders, because you will pay so much in the end, more than you had anticipated.

After a money lending institution is chosen from the so many you had earlier, you need to meet in person with your lender in order to impress them. You do not need to look bad in their presence even if your credit rating says otherwise. Fill out all the applications for loans on bad credit on time and submit them in the manner that the lender requires. You need to be at your best with your lender so that he will not look so much into your credit rating. Chances are that they will forget your credit rating the moment you strike a good impression.