BORROW UP TO

$1,500!​

Your Guide to Payday Loans Online in Canada with Email Money Transfer and No Credit Check

5-Minute Application With No Credit Check​

4.7/5

What Our Customers Have To Say

Graham
Graham
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Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
Anne
Anne
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The service was quick and customer service representatives were helpful and friendly.
Eric
Eric
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Very professional, respectful and quick to answer questions or concerns.
Cheryl
Cheryl
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Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
John
John
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Customer service today was great answered all my questions and was great helping me with my banking issues.
Ruth
Ruth
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First time using this company. Extremely fast service and no hassles. I highly recommend them!
Eric
Eric
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Friendly fast and efficient. Great company to deal with and the application is straightforward.
Joanne
Joanne
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I was in a real pinch. This was fast, easy and I got the funds I need quick. Sure beats any of those other services in Canada.
Andy
Andy
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Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
Lisa
Lisa
Read More
Very quick online application and very friendly customer service.
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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

At Focus Cash Loans, we accept many types of income, including employment, benefits, and pensions. Apply now for fast and convenient loan service!

Employment Income

Child Tax Credit Benefits

Unemployment Insurance

Private Disability Insurance

CPP & Private Pension

Workers Compensation

Why Get a Loan 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.

Get Cash Fast with Canada's Trusted Online Payday Loan Provider since 2008.

Are you facing a financial emergency and need cash fast? Don't worry, we've got your back. At Focus Cash Loans, we provide the fastest and most convenient online payday loan services in Canada. Whether you're in Ontario, BC, Alberta, or anywhere else in Canada, we've got you covered. Our online payday loans are available 24/7, with instant approval and no credit check required. Plus, our easy application process and email money transfer make getting a payday loan online easier than ever before. So, let's take a closer look at how our online payday loans can help you in your time of need.

Payday loans online: Fastest and most convenient way to get cash in Canada

When you're facing a financial emergency, the last thing you want to do is wait around for days to get the cash you need. That's where our online payday loans come in. With Focus Cash Loans, you can apply for a payday loan online from the comfort of your own home or office. No more waiting in line at a bank or payday loan store. Our online payday loans are the fastest and most convenient way to get cash in Canada.

Instant approval: Get your payday loan online instantly, no credit check required!

At Focus Cash Loans, we understand that time is of the essence when you need a payday loan. That's why we offer instant approval for our online payday loans. With no credit check required, our online payday loans are available to everyone, regardless of their credit history. So, whether you have good credit, bad credit, or no credit at all, you can still apply for a payday loan online with us and get approved instantly.

Available 24/7: Apply for a payday loan online any time of day or night

We know that emergencies can happen at any time, which is why our online payday loans are available 24/7. Whether it's the middle of the night or a weekend, you can apply for a payday loan online with Focus Cash Loans and get the cash you need, when you need it.

Email money transfer: Receive your funds instantly with our fast and easy transfer process

With our fast and easy email money transfer process, you can receive your payday loan funds instantly. No more waiting for a check to clear or funds to transfer between banks. With Focus Cash Loans, you'll get your cash fast, and with no hidden fees or charges.

No collateral required: Get a payday loan online with no need for collateral

Unlike traditional loans, our online payday loans don't require any collateral. That means you don't need to put up any of your personal assets as security for the loan.

Child tax loans: Get a payday loan online with your child tax benefits

If you're a Canadian resident who receives child tax benefits, you may be eligible for a child tax loan. At Focus Cash Loans, we accept child tax benefits as a source of income for our payday loans online. So, if you're in need of cash and have child tax benefits, apply for a payday loan online with us and get the money you need to cover your expenses.

Direct lenders: Deal directly with the lender, not a middleman

When you apply for a payday loan online with Focus Cash Loans, you're dealing directly with the lender. That means you don't have to worry about any middlemen or third-party companies. You'll get the best rates and service directly from us, without any unnecessary fees or charges.

Bad credit? No problem: Our online payday loans are available to everyone

At Focus Cash Loans, we understand that life can be unpredictable, and sometimes you may find yourself with a less-than-perfect credit score. That's why we don't base our loan decisions on your credit score. Whether you have good credit, bad credit, or no credit at all, you can still apply for a payday loan online with us and get approved.

Same day loans: Get your loan approved and funded on the same day

If you need cash fast, our same day loans are the perfect solution. With our easy online application process and instant approval, you can get your loan approved and funded on the same day. So, if you're in a financial emergency and need cash fast, apply for a payday loan online with Focus Cash Loans.

In conclusion, if you're a Canadian resident in need of a payday loan, look no further than Focus Cash Loans. Our online payday loans are fast, easy, and available 24/7. With instant approval, email money transfer, and no credit check required, getting a payday loan online has never been easier. Plus, our child tax loans, direct lender service, and same day loans make us the best choice for anyone in need of cash in a hurry. Apply for a payday loan online with us today and get the money you need to cover your expenses.

Payday loans online are short-term loans that you can apply for and receive online. They are designed to help you cover unexpected expenses or bills that come up before your next payday.

Applying for a payday loan online with Focus Cash Loans is easy. Simply visit our website and fill out our online application form. The application process is completely digitized, and we've integrated instant banking verification, so you can get instant approval without the need for scanning, emailing, or faxing any documents.

No, you don't need good credit to apply for a payday loan online with Focus Cash Loans. We don't run credit checks, and we base our loan decisions on your banking activity.

To be eligible for a payday loan online with Focus Cash Loans, you must be 19 years or older, have a minimum income of $1,200 per month, and have a bank account where that income is deposited. You must also have a phone number that you can be reached at.

You can borrow from $100 up to $1,500 with a payday loan online from Focus Cash Loans. The loan amount is limited by provincial and federal payday loan regulations and is currently set to up to $1,500 or 50% of your paycheque, whichever is less.

At Focus Cash Loans, we offer instant approval, and we'll transfer the funds directly to your account via email money transfer in as little as 30 minutes.

We offer flexible repayment options for our payday loans online. If you qualify for an installment repayment plan, you can repay your loan over 2 to 3 installments in up to 62 days.

Yes, you can apply for a payday loan online with Focus Cash Loans 24/7. Our website is always available for you to submit your application.

If you can't repay your payday loan online on time, we encourage you to contact us as soon as possible to discuss repayment options. If there are no reasonable payment arrangements in place to repay the loan, we may use legal debt collection and civil court action to collect the debt. Additionally, your loan may be reported to the credit bureaus as delinquent.

Yes, at Focus Cash Loans, we're committed to keeping your personal information safe and secure. We use the latest technology to protect your information, and we never share or sell your information to third parties.