Get up to $1,500 into your bank account in 30* minutes!

How The Loan Process Works


Apply Online

Applying with Focus Financial is fast and easy, simply fill out our secure and easy application form.


Get Approved

Get approved for a loan in as little as 30* minutes during our regularly scheduled business hours.


  Instant Funding

Once approved, you can receive the funds via E-Mail transfer within 30 minutes*.

Why should you loan with Focus Financial? 

Trusted Lender

We have been supplying Canadians with short term loans for the past 10 years, come see why we are the preferred payday loan provider. 

Quality Customer Service

Got any questions? Please call or email us right away and our staff will guide you through the way.

High Approval Rate

Every application is based on a per person basis and all circumstances are taken in to consideration.            

Fast Turn Around

We strive to process your loans application within minutes and get the money you need right away.

No Faxing Required

Send us your documents the fastest way possible by using our online verification.

Easily Apply Online

In less than 5 minutes your application can be submitted to be processed for your same day loan.

Where’s My Personal Bad Credit Loan

There are people whom see getting payday loans are a waste of time. Their belief is that in the long run, the personal bad credit loan is going to end up costing you way more money later. For those that believe that has never used a calculator. The money that can accumulate for late payments on bills can add up rather quickly. Many utility companies will disconnect for non-payment. If you continuously pay your bill every month, you are further damaging your credit. This is something that needs to be avoided at all cost. Credit is very important and details sometime our classification in society. Could you picture the Pope with bad credit? Could you see someone like Bill Gates with bad credit? He’s not filling out an application of a personal bad credit loan.

Personal Bad Credit Loan Versus Fees Galore!

Picture of Personal Bad Credit LoanIf you were to calculate all the fees that someone in lower or middle class pays, it would great exceed any fees associated with payday loans. Payday loans are meant for short-term situations. The attempt to pay your bills on time can be considered a short-term problem. The simplest thing to do is to apply for a personal bad credit loan and pay the necessary bills to avoid any late charges. If you pay back the money before your payday, you could save even more! Who does not want to save money? If you put your financial situation into perspective, you can see how helpful these types of loans can be to a household. There are many fees that can be saved when you obtain a personal bad credit loan. Many consumers prefer to overdraft their bank account in order to receive cash in emergency situation. What people do not understand that not only are you over drafting your account, but you are accumulating future charges, Banks have been know to hold your largest purchase off until after all the small amounts have been satisfied. This results in an increase amount of fees. An older lady was bamboozled into using the same method to make ends meet. Sadly for her, she became sick shortly after while in the hospital. While she was sick, her bank fees continued accumulate. Instead of having a personal bad credit loan, she owed well over $600 non-sufficient fees, paid fees, etc. Bank fees as well as credit fees can get out of hand. Personal bad credit loan does not have this. Please do not fall victim to the shenanigans. Many payday loans are free of interest. Although there is no interest on all loans, it is highly probable that finance charges will be accessed. By paying the loan off early, you could save some extra bucks for a cheeseburger or whatever tickles your fancy. Remember to always borrow responsible. It is so hard to pull yourself out of a hole after you have received your first loan. Many people became too comfortable with the entire loan process. They do not mind coming in to get more loans from other lenders. This is soon brought to head and many loans have not been paid.  This is what I would like to call a habitual borrower. This is not someone you would not want to be. If getting better credit is your goal, avoid being a habitual borrower. The goal is to borrow ONLY what you need and nothing more. Lets pretend your salary is $2650 per month and you need only $500 for car repairs. In the end, you will realize that sometimes less is more. Get more money in your pocket with a personal bad credit!

Personal Bad Credit Loan Video