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 Personal Bad Credit Loan

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 Personal Bad Credit 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.

We are the leading provider of Personal Bad Credit Loan since 2008.

Where’s My Personal Bad Credit Loan

There are people who 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!

If you were to calculate all the fees that someone in the lower or middle class pays, it would greatly 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 to 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. Let's 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!