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 Loans

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 Loans 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 Loans since 2008.

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.

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.