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.

Banks Allow For Application Of Other Types Of Financing Before Personal Bad Credit Loans Are Granted

It is quite difficult to get a loan from a bank if you have a poor credit history as this does not offer them enough security that you are able to pay them back in time. But this does not mean that they will not give you a loan, only that you will have to apply for other types of financing so that you can work on your credit score first before they give you the loan that you desire. Most personal bad credit loans, also known as unsecured loans are normally granted after there is a thorough review of their credit rating, so with a bad credit history, it will be quite difficult for a bank to approve of your loan application.
Picture of employee that got Personal Bad Credit Loans The good thing about these personal bad credit loans is the fact that they have low interest rates when it comes to payment of a loan compared to other types of bad credit loans. They are also less risky, meaning as a person you do not have much to worry about when you are given the loan. The only problem with these loans is the fact that they are difficult to obtain because of the many credit ratings and the financing processes that one has to go through so not so many people settle for them.

Different Banks And How They Offer Personal Bad Credit Loans

Once you have joined several types of financing to prove that you are able to pay off your loan in time, you will be in a position to get personal bad credit loans from banks such as Toronto dominion, Royal Bank of Canada, Scotia bank, Bank of Montreal and several others where they have both the secured and the unsecured kinds of loans. The kind of bank that you will choose will offer you with a different kind of service when it comes to the payment rates and also the penalties that come with the lack of payment. You therefore have the freedom to look at all the banks and then settle for the one that will cater for your needs without any problems.
The personal bad credit loans covered by the bank of Toronto Dominion Bank cover wide payment terms such as fixed monthly payments with inconsistent interest rates. With fixed rates, it is possible for you to enjoy a lack of increase when it comes to the payment of your rate loans. The good thing about this bank is the fact that if you guarantee the loan with collateral, they will allow you an access of up to over fifty thousand dollars or so credit so you are able to meet all of your immediate needs without any problem.
Montreal is also another bank that allows you to choose the payments that you are comfortable with paying once they give you a loan ranging from weekly to fixed monthly payments. You also choose fixed interest rates or variable ones, and depending on the borrowing purpose, your personal bad credit loans can have a repayment term of up to five years or longer. You may also defer payment for one or two months and the interest rate will not be changed in terms of penalty. The personal loan that you apply for comes with a variable interest rate and also allows for easy access to cash.
Aside from these two banks, there are many others that have the same services on offer. The only difference comes in where there is a payment of interest rates, joining of different types of financing and also giving out of loans with or without collateral.

Personal Bad Credit Loans Video