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 People 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 People 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 People Bad Credit since 2008.

A Lender Who Loans People Bad Credit Is Out There

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

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 payday loans if you are looking for a lender who loans people bad credit. Payday 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 lower 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.