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.

Tips On How To Get A Personal Loan With Bad Credit

Having bad credit does not have to put people down anymore since banks and other money lenders embraced the act of money lending despite credit history. A personal loan could be quite helpful especially when one comes across financial difficulty in their life. The reasons for someone to need a personal loan are many. They could be due to minor personal reasons such as meeting the day to day basic needs to major business reasons like expanding and renovation of the office. Whatever the reason, it is now possible to get a personal loan with bad credit.

Easy Instructions For Getting A Personal Loan With Bad Credit

Picture of employee that got Personal Loan With Bad Credit - Borrow up to $1500 NOW!The first thing one has to realize when thinking about getting a personal loan with bad credit is that the amount of credit that has accumulated will affect the amount one can be able to borrow. Also this will make the lender have a perspective on the spending habits of the borrower. If the credit report shows that the bad credit is due to buying basic necessities, they may be lenient on the amount to give and the interest to ask for, however, if the report shows spending habits of a person who wants to live beyond their means it will make the lender to think twice before agreeing to give out the loan or even to refuse altogether.
The first personal loan with bad credit one should consider enquiring about is the secured loan; this loan is for those who have something of value which can be offered to the lender as a form of collateral. This could be a car or a house or anything else of value. However, this does not mean that the lender owns the thing offered as collateral but that if the borrower is unable to pay the lender back, then they will have to give up any rights they have to what was offered. Before this happens they should hang on to any documents which show proof of ownership.
The second personal loan with bad credit one might consider is the unsecured loan. This is very different from the secured loan in that, for instance one does not need to offer anything as collateral. This is because they target those people who cannot afford or do not have anything of value to offer or those who want to make quick money for an emergency and they know they will be able to pay the money back soon. The terms of this personal loan are quite adverse but they seem to fit the needs of those who seek it. The time set out for payment of the unsecured loan is very small. One is offered little time to pay back the money and if late payments are made the amount of interest increases. This loan is for those lenders willing to take a risk and for the borrowers who have no other choice as its terms could hurt both parties.
Always make sure you have a backup plan before you decide on which loan you would like to apply for and which one suits you best. This also means that you should not just pick any loan offered to you as this could lead to you having or owing more credit. Being educated on the types of loans available to you is better since it also helps in the way to plan forward in case loan is paid off and there is need for one to take on a new loan. This proves that getting a personal loan with bad credit is not only easy, but with the right tips it could be the best decision ever made.

Personal Loan With Bad Credit Video