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 Loan With Bad Credit

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 Loan With Bad Credit 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 Loan With Bad Credit since 2008.

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

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 the loan is paid off and there is a 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.