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.

Personal Loans for People with Bad Credit in Ontario Magic Trick

There many commercials on television from well-known bank institutions that promise that they have the money to give out but they are just waiting for YOU to come get it.  Does this sound eerily familiar? Soon as you arrive at the branch, you are giving the normal script that is given to applicants with bad credit, “We’re sorry that we could not approve you for a loan today but feel free to try back in 3 months”. This sounds very promising or at least the banker would like to think so. What could possibly change in the next three (3) months that does not involved receiving a new social insurance number. That is why personal loans for people with bad credit in Ontario are the number one search on the Internet for the Ontario area. Many people believe in the hype that financial institutes promises. Is getting a loan that hard to get in Ontario? It may be harder than you think. Years ago, the approval process was so much different. The score for bad credit was much lower than what it was years ago. You almost have to have a credit of 700 to be said to have good credit. Personal loans for people with bad credit do not have such high expectations from their applicants.  Maintaining a credit score of 700 or higher is hard to achieve and maintain when life circumstances happen. We cannot avoid life circumstances. Gas prices cannot be regulated and if you are not driving a gas friendly vehicle, utilizing public transportation or carpooling, the gas prices can really hit you where it hurts.  Directly in your pockets always where you find yourself reaching. The economy seems to do its own magic trick to our pockets. It mysteriously makes our money disappear.

Personal Loans for People with Bad Credit

picture of Personal Loans for People with Bad Credit - Perfect For People With Bad Credit Rating.Personal loans for people with bad credit often differs from private banks because banks always make up fancy names for certain types of loans. This is another fancy way of keeping a longer paper trail of what the funds you are requesting and what it is going to be used for. For example, home equity loans or personal lines of credit are a few names banks like to throw at their customers. These are stipulations that are added to each separate loan for different purposes. This can be very confusing and overbearing for applicants. It is completely understandable. Who can keep up with all the different types of loans available these days? Personal loans for people with bad credit rarely fall under different confusing names. Most loans for people with bad credit are call payday loans or payday/cash advances. This is a simple name and the name describes exactly what it is. It simply is a loan that is to be repaid by your next pay period. It is an advance on your pay cheque that aids consumers in emergency unexpected situations. We all need a little assistance sometimes and it feels great to know that are some short-term loan solutions available. There are times when we don’t want to take on additional expense for the next six (6) months to one (1) year. If you ensure that you borrow only what you need, Personal loans for people with bad credit can really be a blessing in the skies. If the loan recipient does not practice responsibility, with all loans, it could really get out of hand. You might end up spending more than you originally borrowed.  Remember, it is imperative to always borrow responsibly.

Personal Loans for People with Bad Credit Video