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 Loans 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 Loans 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 Loans Bad Credit since 2008.

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 the 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.

The following things are 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 your 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 has 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 creditworthy regardless of 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.