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!πŸ‘πŸ‘πŸ‘
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 For 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 For 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 For Bad Credit since 2008.

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 no help available for Canadians with credit that normal banks frown upon. Your money is only an application away!

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 your 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 from 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.