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.

The Pursuit of Personal Loans Bad Credit

Many consider credit scores 675 or lower to be considered bad credit. If this is bad credit, that describes the majority of Canadians. Are you included in this classification? Is your credit struggling? If they answer is yes, it is very likely that you could be in pursuit of personal loans bad credit.  The more late payments and collection account that you gather, the lower your score is on the FICO score chart. There are main components that one have to follow to ensure that they would never have to research personal loans for applicants with bad credit.

Picture of family that got Personal Loans Bad CreditFox business developed a percentage of what makes up your credit:

  • Paying bills on time, every time (35 percent).
  • The amount of credit you’re using compared to the amount available (30 percent).
  • The length of time you’ve had credit (15 percent).
  • The length of time since you applied for credit (10 percent).
  • The types of credit you use, including revolving credit card accounts and installment loans like a mortgage (10 percent).
  •  Personal loans bad credit does not have to take all these percents into consideration. They take several other things into consideration when they review your applicant details.

Business Entrance of Personal Loans Bad Credit

Terrible payment history is not the only thing that could hold you back from obtaining a traditional personal unsecured loan. Even if you have no credit, you are considered to not be creditworthy and might find yourself in search of a loan that would give you a short. No credit is just as terrible as bad credit. Many people think that by not requesting credit for anything and NEVER obtain any type of credit helps their situation. In complete honestly, it hurts you in the long run when you finally actually have a need for credit. Personal loans bad credit has minimal credit requirements.

Most require the same basic information such as:

  • First and Last Name
  • Address
  • Employment information such as phone number, address, supervisor information, etc
  • Bank information such as account and routing number
  • Social Insurance Number
  • Date of Birth

This application questions are not only limited to the given questions. To be fully prepared, ensure that you have developed a list of six (6) to seven (7) references. Be sure to include professional references in opposed to all references being family members. Personal loans bad credit has the same requirements as other loans. You are required to pay back the loan on the advised date. This date should fall on the payday following the date you receive you loan. You are also required to update your personal information if anything changes. For example, if you change your phone number, it is your responsibility to contact your lender to advise of this significant change. Another example is if your bank account as been comprised and you have to close your account to open up another one, this is definitely something that you would want to communicate to the lender that services personal loans bad credit. If you keep the doors of communication open during your loan period, your future loans with that lender will be even greater than the first. Lender like to see that you can prove yourself to be credit worthy regardless what story your credit report tells. Understand what credit is really all about is the only way to repair your credit and mend relationships with creditors. Until you have successfully repaired your credit, there is always personal loans bad credit available that would help you to mend your fence.

Personal Loans Bad Credit Video