Borrow Up To $1,500

The easiest way to get the fastest loan in Canada

5-minute application and
no credit check


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Really easy to use and quick fast with no hassle
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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‘
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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)
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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.
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Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.
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They are very professional and helpful and provide excellent customer service.
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You have always been so easy to deal with. Highly recommended.
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Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.

Trusted Lender

Secure Application

Fast Approvals

3 Easy Steps

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 Till Payday 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.

Financial emergencies can strike at any time, leaving us scrambling for a solution to make ends meet. When we're faced with these unexpected challenges, it's crucial to find a reliable and convenient financial resource to help us get back on track. That's where Loans Till Payday from Focus Cash Loans come in – a trusted provider of short-term financial assistance for those in need.

Since 2008, Focus Cash Loans has been offering fast payday loans in Canada, providing borrowers with an easy-to-use online platform that ensures quick access to funds when they need them most. Catering to individuals with varying credit histories, including those with bad credit or past bankruptcies, this company offers transparency and professionalism while adhering to provincial and federal payday loan regulations. In the following article, we'll explore the ins and outs of Loans Till Payday from Focus Cash Loans – giving you all the information you need to make an informed decision about this valuable financial resource.

Introduction to Loans Till Payday: A Financial Solution for Emergencies

When you're faced with a financial emergency, turning to a reliable short-term solution can be the lifeline you need to get back on track. Loans till payday from Focus Cash Loans offer an accessible and convenient way for individuals who require quick cash to manage unexpected expenses. With our online services, customers can apply for loans till payday online, find instant approval, and receive the funds they need in as little as 30 minutes after their application is approved.

Cash till payday loans are designed to provide temporary relief during financial emergencies while ensuring that borrowers have access to the necessary funds until their next paycheck arrives. Our streamlined application process allows us to approve applicants regardless of their credit history or past financial struggles, making it easier for those with bad credit or no credit at all to secure a loan when they need it most. Additionally, our transparent pricing structure ensures that borrowers understand exactly what they owe and when it's due – there are no hidden fees or surprise charges.

One of the main advantages of choosing loans till payday from Focus Cash Loans is our commitment to providing exceptional customer service alongside our fast and efficient online platform. As a licensed payday loan lender abiding by provincial and federal regulations, we prioritize professionalism and transparency throughout the entire lending experience. This means that applicants only need to provide basic personal information without invasive questions or lengthy document submissions – everything can be completed securely online within minutes.

With our instant approval process and rapid fund disbursement via email money transfer, customers can obtain the cash they need in record time without having to worry about bureaucratic delays or complicated paperwork. By offering flexible repayment options tailored according to each borrower's unique circumstances, we ensure that every loan is manageable and affordable – allowing individuals facing financial challenges not only survive but thrive as well. So if you're struggling with unexpected bills or expenses before your next paycheck arrives, consider applying for a payday loan from Focus Cash Loans – we're here to help you regain control over your finances.

Focus Cash Loans: Providing Fast Payday Loans in Canada

Picture yourself in a tight financial spot, and you need quick cash; that's where Focus Cash Loans comes to the rescue with speedy payday loans in Canada. We understand that life can throw unexpected situations at you, and sometimes traditional loan options just aren't feasible. That's why we offer hassle-free loans till payday Ontario, making it easier for individuals across the province to access funds when they need them most.

As an online lender specializing in loans till payday Canada, we've made our application process simple and efficient. Our online payday loans no credit check instant approval Canada system allows us to serve customers with various credit backgrounds without any delay. Here are some of the benefits of choosing Focus Cash Loans:

  • Online payday loans Canada with instant approvals.
  • Unsecured personal loans bad credit instant decision Canada.
  • Fast and secure digital application process.

With our convenient services, there's no need for Canadians to stress about their financial situations when emergencies arise. Whether you're dealing with medical expenses or car repairs, our unsecured personal loans bad credit instant decision Canada can provide relief when traditional financing options fall short.

At Focus Cash Loans, we pride ourselves on offering exceptional customer service along with flexible lending solutions tailored to your needs. Don't let financial challenges hold you back – reach out to us today for quick and reliable loans till payday Ontario!

Easy Online Application for Loans Till Payday: A Step-by-Step Guide

Ready to apply for a quick and easy online loan? Follow our step-by-step guide below to get started! Focus Cash Loans offers loans till payday with an easy, online application process that doesn't require any credit checks. This means even if you have bad credit or no credit history, you can still qualify for a loan as long as you meet the minimum income requirement of $1,200 per month and other eligibility criteria.

To begin your online application, simply visit the Focus Cash Loans website and fill out the required personal and employment information. This includes your name, contact details, source of income, employer details, and bank account information. Remember that there's no need to scan, email or fax any documents; instant banking verification is integrated into the application process. Once completed, submit your application and track its progress through your personal customer page on their website.

Applications are typically processed within an hour during business hours. Upon approval, funds will be transferred directly to your bank account via email money transfer – usually within 30 minutes of approval! The entire process is not only fast but also secure and transparent; there are no hidden fees associated with these loans till payday.

With Focus Cash Loans' easy online application process and prompt funding times, obtaining a loan till payday has never been more convenient. So why wait? Get started today by applying for a hassle-free loan from this reliable lender who abides by provincial and federal regulations to ensure fair lending practices for all borrowers in need of financial assistance until their next paycheque arrives.

Instant Approval Payday Loans: How Focus Cash Loans Streamlines the Process

Imagine getting approved for a payday loan in just minutes, thanks to Focus Cash Loans' streamlined and efficient process designed with your convenience in mind. Instant approval payday loans are perfect for those who need quick cash to cover unexpected expenses, such as medical bills or car repairs. At Focus Cash Loans, we understand that life can be unpredictable, which is why we offer same-day loans with no credit checks or collateral required. Our goal is to help our clients get the money they need when they need it most.

One of the reasons why our instant approval payday loans stand out from other lenders is our commitment to making the application process fast and easy. With our online platform, you can apply for a loan 24/7 from anywhere in Canada. Moreover, there's no need to scan or email any documents – everything is done digitally through secure instant banking verification. Our team processes applications during business hours typically within an hour so that you can access your funds as soon as possible.

Another advantage of choosing Focus Cash Loans for your instant approval payday loan needs is our flexibility when it comes to bad credit history or past bankruptcies. We believe everyone deserves a second chance at financial security; therefore, we approve applicants based on their banking activity rather than their credit score. This means that even if you have bad credit or no credit history at all, you may still qualify for one of our online payday loans in Canada with email money transfer.

To sum up, Focus Cash Loans makes it simple and convenient for Canadians to obtain instant approval payday loans regardless of their credit history. Our user-friendly online application process allows customers to apply quickly and receive their funds on the same day via email money transfer so that they can tackle unforeseen expenses without delay. Don't let financial emergencies hold you back – trust Focus Cash Loans to provide reliable and transparent lending services tailored just for you!

No Credit Check Payday Loans with Focus Cash Loans: Simplifying Borrowing

Don't let your credit history hold you back – with Focus Cash Loans, obtaining a no credit check payday loan is a breeze, giving you the financial relief you need without any hassle. As an online lender, we specialize in providing loans till payday to borrowers with less-than-perfect credit scores or past financial difficulties. With our simplified borrowing process and unsecured loans, you can access funds quickly and easily without having to worry about your credit score affecting your chances of approval.

At Focus Cash Loans, we believe that everyone deserves access to short-term financial solutions regardless of their credit history. That's why we offer no credit check payday loans – instead of conducting traditional credit checks, we evaluate applicants based on their banking activity and ability to repay the loan. This approach not only helps borrowers with bad or no credit get approved but also allows us to provide instant approvals and same-day funding for qualified applicants.

To apply for a no credit check payday loan from Focus Cash Loans, all you need is steady employment or income source (such as EI, Worker's Compensation, CPP), meet our minimum monthly income requirement of $1,200, have an active bank account where your income is deposited directly into it and be 19 years old or older with a reachable phone number. Our application process is entirely digital and available 24/7 – meaning you can apply anytime from anywhere using just your smartphone or computer.

So if you find yourself in need of some extra cash until your next payday but are worried about how your bad or nonexistent credit will affect your chances of approval – don't fret! With Focus Cash Loans' no-credit-check approach to lending and emphasis on simplifying borrowing for our customers, getting the funds you need has never been easier. Apply today and experience first-hand how our streamlined online platform can help alleviate those pressing financial concerns without jeopardizing your future borrowing capabilities due to poor credit history.

Eligibility Requirements for Securing Payday Loans in Canada

In our previous discussion, we explored how Focus Cash Loans offers a simplified borrowing experience by providing no credit check payday loans. Now, let's delve deeper into the eligibility requirements necessary for securing these convenient loans till payday in Canada.

To be considered eligible for payday loans from Focus Cash Loans, applicants must meet specific criteria. First and foremost, borrowers must be at least 19 years old and have a reachable phone number. They should also be employed or receive income from various sources such as Employment, EI, Worker's Compensation, CPP, or Private Disability. The minimum income requirement is $1,200 per month to qualify for a loan amount ranging from $100 up to $1,500.

Another crucial aspect of the eligibility requirements is ensuring that your paycheque is deposited into your bank account. This allows Focus Cash Loans to approve applications even for those with bad credit histories or past bankruptcies based on their banking activity rather than their credit score. Moreover, it's essential to avoid multiple NSF transactions in your account history, stop payments for other loans and ensure that paycheques are consistently being deposited into your bank account.

Meeting these eligibility requirements increases your chances of securing much-needed financial assistance through payday loans in Canada. By understanding what is expected of you as an applicant and maintaining good banking habits despite having bad credit or past financial struggles; you can take advantage of the convenience offered by Focus Cash Loans' services without worry. And remember always to review the loan agreement thoroughly before accepting it to ensure that all terms align with your expectations and abilities.

Accepted Income Types for Payday Loans at Focus Cash Loans

You might be wondering what types of income are accepted when applying for a payday loan at Focus Cash Loans, so let's explore the various sources they consider. As a provider of loans till payday, the company aims to cater to as many people in need as possible, regardless of their credit history. By accepting multiple sources of income and not conducting credit checks, we enable borrowers with bad credit or no credit to get financial assistance when they need it the most.

  • Employment Income: This is the primary source of income for most applicants. Whether you work full-time, part-time or on contract basis, your employment earnings qualify you for a payday loan.
  • Employment Insurance (EI): If you're currently receiving EI benefits due to unemployment or temporary layoff, you can still apply for a loan from us.
  • Other Accepted Sources: Focus Cash Loans also considers other types/sources of income like Worker's Compensation, Canada Pension Plan (CPP), Private Disability Insurance payments etc., ensuring that even individuals who don't have traditional employment can access our lending services.

When applying for our loans till payday services, it is crucial that your income meets the minimum requirement of $1,200 per month. Additionally, your paycheque must be deposited into an active bank account under your name. To verify these details and expedite the approval process, we use instant banking verification during our online application process. By incorporating this technology in our system and offering installment repayment options up to 62 days where qualified borrowers can repay their personal loans in manageable installments over time.

Our goal at Focus Cash Loans is to provide accessible and transparent financial solutions tailored to meet individual needs while maintaining compliance with provincial and federal regulations governing payday loans in Canada. We strive continuously to improve our offerings by staying updated on changing legislation and adapting accordingly so that we remain fair and legally compliant lenders serving Canadians coast-to-coast. So whether you have regular employment income or alternative sources like EI or CPP, we are here to help you navigate through your financial emergencies with our loans till payday services.

Payday Loan Amounts and Repayment Terms: What to Expect

When it comes to borrowing money, understanding the available loan amounts and repayment terms can help you make informed decisions, ensuring that you're able to manage your finances with ease. At Focus Cash Loans, we offer loans till payday ranging from $100 up to $1,500, subject to provincial and federal regulations. These loans cater to individuals who may face unexpected expenses or financial emergencies before their next paycheque arrives.

Loan Amount Repayment Period Interest Rate (APR)
$100 Next payday Varies
$500 Next payday Varies
$1,000 Up to 62 days Varies
$1,500 Up to 62 days Varies

We understand that not everyone has a perfect credit score; therefore, we approve applicants with bad credit, no credit history or even past bankruptcies based on their banking activity. We believe in providing fair and transparent lending services for our customers throughout Canada. Our loan fees are straightforward at $15 for every $100 borrowedβ€”no hidden charges or surprises.

At Focus Cash Loans, we aim to make the repayment process as smooth as possible. Loans must be repaid on the borrower's next payday or via an installment repayment plan of up to 62 days if qualified. Repayments occur through a bank account debit on the due date corresponding with your payday schedule. By understanding our offered loan amounts and repayment terms thoroughly beforehand, borrowers can confidently choose a suitable loan option while ensuring they can manage repayments without undue stress or financial strain.

Fees and Charges: Understanding Payday Loan Costs at Focus Cash Loans

Navigating the world of payday loan costs can be confusing, but at Focus Cash Loans, we're here to break down the fees and charges so you know exactly what to expect. When taking out loans till payday with us, it's essential to understand the associated costs to make informed decisions about your finances. With our transparent pricing structure and commitment to fair lending practices, we aim to provide an easy-to-understand breakdown of all fees and charges involved in obtaining a payday loan through our platform.

  1. Loan Fees: For every $100 borrowed from Focus Cash Loans, there is a flat fee of $15. This means that if you take out a $300 loan, you will be charged $45 in fees ($15 x 3). These fees are non-negotiable and standard across all customers regardless of their credit score.
  2. Interest Rates (APR): The interest rates on our loans vary based on the repayment period you choose or qualify for. Keep in mind that these rates are annualized percentages; however, since payday loans are short-term by nature, you'll typically pay much less than the full APR amount.
  3. NSF Fees: If your loan payment is returned due to insufficient funds (NSF) in your bank account, you will be charged a minimum of $25 per returned payment. It's crucial to ensure that adequate funds are available when your repayment is due or make alternative arrangements ahead of time.
  4. Late Fees & Other Charges: While there aren't any hidden fees with Focus Cash Loans, unpaid loans may result in legal debt collection action or civil court action being taken against you – meaning additional costs could be incurred.

At Focus Cash Loans, understanding payday loan costs is simple thanks to our transparency and adherence to provincial and federal regulations governing this type of lending service. As long as borrowers follow responsible borrowing practices – such as only taking out loans they can afford to repay on time – our payday loan services can provide the short-term financial relief needed without excessive or unexpected fees and charges.

We're here to help you navigate the world of loans till payday, and part of that involves ensuring you understand all associated fees and charges. By being informed about these costs upfront, you can confidently choose Focus Cash Loans as your go-to provider for fast, convenient, and transparent payday lending solutions. Reach out to our knowledgeable customer service team if you have any questions or need clarification about any aspect of our fee structure; we're always happy to assist in making your experience with us a positive one.

Ensuring Privacy and Security When Applying for Payday Loans Online

It's crucial to prioritize your privacy and security while seeking online payday loan services, and we're here to provide peace of mind with our commitment to keeping your information safe. At Focus Cash Loans, we understand the importance of protecting your personal details when applying for loans till payday. Our website uses state-of-the-art encryption technology to ensure that your data is secure throughout the entire application process. Additionally, we adhere to strict privacy policies and follow all federal and provincial regulations regarding personal information protection.

Focus on Security Privacy Measures
Encryption Technology Strict Privacy Policies
Secure Application Process Adherence to Regulations

As a reputable payday loan provider, we are dedicated to offering a transparent and professional service, including guaranteed privacy protection. We only collect essential information from borrowers, without asking invasive questions or sharing your data with third parties without consent. When you receive an e-transfer following approval for a loan through Focus Cash Loans, rest assured that this email money transfer is conducted in a secure manner.

In addition to ensuring the safety of our customers' information during the application process, we also emphasize responsible lending practices by adhering closely to provincial and federal payday loan regulations. This means that our interest rates (APR), fees ($15 per $100 borrowed) as well as repayment options are aligned with legal requirements – with no hidden costs or unfair terms imposed on borrowers.

We take pride in offering reliable loans till payday services where privacy and security are at the forefront of our operations. By choosing Focus Cash Loans for fast e-transfer funding solutions, you can trust us not just for convenience but also for safeguarding your sensitive personal details throughout the experience. Don't hesitate to apply today – regardless of credit history – knowing that our robust online security measures offer no refusal guarantee while maintaining utmost confidentiality at every step along the way.


In conclusion, we at Focus Cash Loans understand the importance of providing a reliable and convenient financial solution for those in need. Our loans till payday offer a fast and hassle-free process, ensuring our customers can access funds promptly to address their emergencies.

We pride ourselves on our transparency, professionalism, and adherence to regulations while offering flexible loan amounts and repayment terms. Trust us to be your go-to source for short-term financial assistance when you need it most.