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 Online Loans For People With 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 Online Loans For People With 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 Online Loans For People With Bad Credit since 2008.

Online Loans for People with Bad Credit

If you think that your bad credit history can stop you from getting a loan, then you are wrong. The world is advancing at a fast speed and monetary problems are common in everybody’s lives as the requirements have increased. Loans exist for this section of the society, and online loans for people with bad credit are the easiest options of all. The advancement in technology has made communicating on the internet extremely simple, and there are possibilities to sort out any kind of task with a written code. Many banks have established their services online and people can avail them with little harassment. In the comfort of your chair, you will be able to fill out the forms and submit necessary documents right from your place. You do not need to keep on making rounds of the bank to submit some required document. This method is very effective and banks respond to the customer as quickly as they can. In many cases loans are issued on the same day and you can expect you money to reach you in not more than a few days if not within the next 24 hours.

Internet is one of the basic needs of the people. The services can be availed easily and you can easily search online for the best option. Online loans for people with bad credit are issued by online money lenders who wish to establish themselves on the newest model of business. The enhanced mode of connectivity keeps the bank cognizant of all the information. The instant approval of such loans is the greatest advantage, and you do not have to wait for your next paycheck to reach you if you look to buy something. These loans are mostly aimed at solving the short term needs of the people, but you can consider some options that will allow you to lend the amount for longer durations. You can easily search online for different money lenders offering online loans for people with bad credit and choose the one which best suits you. There are many things you will have to consider and keep in mind you get the lowest interest rate and the best mode of repayment.

What else do you need to know about online loans for people with bad credit?

You will need to satisfy certain requirements to be eligible for availing online loans for people with bad credit. You need to at least 19 years old and should have been employed for at least 2 months. You should hold an account (checking account) in your name and the money would be transferred to that account. You also need to have a working telephone number in order to satisfy the criteria.

The online loans for people with bad credit can be used to solve any of your financial problems. They can range from paying a pending bill, an emergency healthcare requirement, urgent need of an appliance or paying for repair of your car or home. You should not be using this money for repayment of some other loan or debt as you may face some problems for that. Financial crunches can happen to anyone, but these online loans help the people who haven’t enjoyed a good past in terms of credit with the required money.

The final thing to be wary of is the legitimacy of the moneylender. Because you are contacting the loan provider online, there is every chance of falling prey to a fraud. You should read the reviews and consult a few people before making any kind of choice.