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.


Many people crash when they realize that they have a bad credit because they feel that they may not be considered for more loans in future until they stabilize their lending ability. But this is not true at all. Depending on the financial needs that you have at a given time, you will realize that there are lenders who loans people bad credit. These lenders do it because they want to help the person applying for the loans and not because they fully trust him to pay the loan fully, after all their work in the market are to issue out loans. Besides, something might have come up for the person to be in the state they are in, that is why these lending institutions trust the person and hope that he will pay up in the end.

Financial Institution To Give Loans People Bad Credit Is Available

Picture of Loans People Bad Credit If you are in that situation then, it is time you started looking for one lender who loans people bad credit. On thing you need to have when looking for the lender is to be open about your financial situation and your bad credit situation and you still need to be prepared to get the loan with a high rate of interest as per your credit score. Some of the institutions to look out for are banks. These will be in a position to lend you money despite the fact that you are in a bad credit state. However, you will be charged so much in case you will not have a co-signer to stand in for you. But if you can get a co-signer, you can get the money with better terms.
You can also consider the pay day loans if you are looking for a lender who loans people bad credit. Pay day loans as the name suggest are the loans which are issued out and paid in the same day. They can be very helpful if you are sure that you will get the money by the end of the day. However, they charge a very high interest rate as compared to all the other loans in the market. If you do not have an alternative then you can still consider these loans but if you have, it is better to go for a lender with a less interest rate.
Some finance companies are also involved with such loans. Actually, you can get a company that loans people bad credit without caring about any collateral these days. They deal with what is called installment loans and they determine the lending rate using your credit score, therefore if you are badly off in terms of credit, then you should be prepared to pay so much in the end as repayment, but the good thing is that you will have money to deal with the financial need that you had.
In order to avoid all these high lending rates, you need to be sure that you really need the money that you are borrowing. Money for buying a car or renovating a house should not prompt you to looking for a lender who loans people bad credit. These are needs that can wait a little bit until you repair your credit score, and then you can get a loan with advantageous terms and conditions. Hospital bills that require so much money and school fees are some of the needs that can prompt you to making such a decision. Always be sure that you will be able to pay upon the loan before acquiring it in order to avoid situations where you have bad credits and no one is willing to lend you more money.

Loans People Bad Credit Video