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!πŸ‘πŸ‘πŸ‘
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 Pay Day Loans For 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 Pay Day Loans For 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 Pay Day Loans For Bad Credit since 2008.

Payday Loans For Bad Credit A Great Relief

With the kind of economy we have today necessitating the need for some financial assistance time and again, it is easy to find yourself in a situation where your credit score is nothing to boast about. Worse still, with tuition fees and house rent among many other bills still piling up, the pressure to do something to bring back your finances on track becomes almost inevitable. The best platform to begin with under such a situation is going for the available loans for people with bad credit history. However, especially when you really need cash and need it urgently at that, payday loans for bad credit should be your first priority. Unfortunately, many people who fall under the bad credit category and need money are often in a dilemma whether or not to go for payday loans for bad credit to a large extent due to lack of knowledge of the advantages that come along with these loans.

Payday Loans For Bad Credit A Necessity To Solve Emergency Issues

The main factor that makes payday loans for bad credit to be the most suitable for people with a bad credit history is first and foremost because they are authorized and deposited to the account of the borrower as quick as possible. Whereas other loans for bad credit can take a relatively longer period of time before one can be accessed to the cash, this is not the case when it comes to a payday loan for bad credit. In a nutshell, payday loans are actually the first loans to be disbursed as far as loans for bad credit are concerned. This way, the borrower is able to quickly meet the demands of the cash as they come and prevent any arising financial setbacks.

In addition, there is no rule that limits the issuing of payday loans for bad credit to only borrowers who have some kind of collateral. This normally is a great relief as with an already a tainted credit record, a considerable number of the available loans for bad credit will often require one to have collateral to act as a compensation of the loan just in case the borrower is unable to meet the repayment conditions. Collateral here may for instance, mean your home, something which may make many people to shy away from applying for the loan. Payday loans however are the loans given under the highest risk as the compulsory collateral requirement is lifted. Therefore practically everyone whose credit record may be considered bad can apply for and receive payday loans.

Well often, with already enough bills and, to some extent, debts to think about, most people with pretty bad credit records will at least not want to take a loan, especially under their current financial status. But what happens when an emergency situation like a huge hospital bill or an urgent business demand pops up? You will obviously under such a circumstance, need to find a way in which you can get some cash to meet these urgent needs. While you can still be eligible for various other loans for people on bad credit, the duration you will have to wait before you can get the cash in your hands may make them be of little or no help to your current situation. Payday loans for bad credit come in handy for emergency expenses as one can count on them due to quick authorization and disbursing of the funds.

However, just like any other loan, it’s important to have clearly analyzed your financial status before deciding on whether or not to take a payday loan. Making a few considerations helps one to determine if they will be able to handle the repayment conditions of the payday loan which it also depends on your monthly wage. You must keep in mind that as much as the loan will provide you with a quick solution to an emergency financial need, the only way to totally liberate yourself from debts is to make deliberate and drastic changes to how you use your finances.