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 For People With 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 People With 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 People With Bad Credit since 2008.

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

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.