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.

Unruly Circumstances before Personal Loans for Bad Credit

Unexpected life circumstances can really cause problems when they arrive. Unexpected car repairs, hospital bills, and even death can cause a financial strain in families across the globe. Many people fail to really think about personal loans for bad credit. After numerous denials, many are discourage from applying for any type of loans. Does this describe your situation? Canadians just like you are facing similar problems. No matter if you are lower class, middle class, or even upper class, everyone has the need for money. Pay rates are at a steady low but living cost is rising. What is one to do? If you have failed yourself in the credit department, you can now breathe in fresh air. There is now help available for Canadians with credit that normal banks frown upon. Your money is only an application away!

Personal loans for bad credit can be approved in as little as a few minutes.Personal Loans for Bad Credit in a Snap!

If you can answer yes to the following questions, you could possibly have your money in your bank account within 24 hours.

  • Are you at least 19 years of age?
  • Do you have a verifiable telephone number where you may be reach?
  • Do you have a bank account in your name?
  • Have you been employed for at least two months?
  • Do you have references?

Traditional personal loans do not offer the privacy of having minimal requirements. Many banks require that you be employed with the same employer for at least 2 years in comparison to personal loans for bad credit. You also have to verify you current address as well as any other addresses that you may have stayed within the past five years. If you met the above requirements you can receive a payday loan in the amount of $100 to $1500. Payday loans are also known as payday advances. These loans are used to help Canadians just like you, make it to their next payday. Life is already hard; a bank makes it harder. Payday advances takes the pain out applying for personal loans for bad credit. The loan amount depends on your salary. It also depends on the relationship that you create with the company. If after your first loan, you are able to receive higher loans amount. No matter what you are approved for, please ensure that you only accept what you need. This is the type of responsible behavior that will secure future loans for you. There are many advantages for securing you a payday advance. They differ in many ways than bank approved personal loans other than minimal requirements. The approval process is so much faster than traditional loans. Personal loans for bad credit can be approved in as little as a few minutes. If you have access to a computer with access to the Internet, you are set and ready to go. Traditional loans can take anywhere from ten to thirty days. When you have an emergency to arrive, this is simply too long to have to wait. You are also risking the possibility that something could go wrong and you will not get approved for the loan. What would you do then? Don’t risk this. Apply for your payday advance today. There is no risk and personal loans for bad credit fees are lower than normal NSF or cash advance fees on your credit card. Please ensure that you read your loan documents in its completion. Cash advances are normally paid back as soon as one week or up to two months. It depends on your pay schedule and if you are request for any extensions.

Personal Loans for Bad Credit Video