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 Really Bad Credit Loans

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 Really Bad Credit Loans 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 Really Bad Credit Loans since 2008.

The Point of No Return with Really Bad Credit Loans

Do you think really bad credit loans exist? Is your credit score in the slum? If you think you are alone, be assured that the vast majority of Canadians have bad credit. This does not only affect lower and middle class family but upper class families are feeling the effect of the credit crunch. Many are not able to borrow from family. What really happens to those individuals classified with bad credit, when an emergency arises? Many have experienced having to pay for that really expensive unexpected prescription or busted water pipe in the winter season. What happens when you don’t have the funds to cover those unforeseen expenses? That is when really bad credit loans come into play. Many people believe that bad credit stands in their way. You would like to think that if you could walk into a bank branch, you could walk out with money with no questions asked. Understandably, it is simply really not that simple. To be approved for a personal loan, you credit score has to be between the range of 680 or higher for some banks. Your credit thrives on your FICO credit score. Everyone should know their credit score so they will know where they stand in this world of credit.

Really Bad Credit Loans to the Rescue

There are bad credit loans called payday advances available. These types of loans provide a wedge for you in-between paycheques. Payday advances will not have same terms as traditional personal loans. When you have really bad credit, these loans are normally used for means for short term. They often have really minimal requirements that are easy to be met opposed to typical personal loans. Even with bad credit, you too can be approved. Traditional loans require that you held the same job for a certain amount of years. If you have been employed for at least 2 months, your likelihood of getting approved for really bad credit loans is high. Other requirements for these types of loans are:

  • Have a valid bank account
  • Have a valid telephone number
  • At least 19 years of age

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A part of the application process normally includes providing references. Be sure to have valid references in addition to family members. Has with all loans, valid identification is required. The processing for these types of loans are really fast and headache free. This is the biggest advantage of payday loans. Traditional loans could possibly take up to 30 days depending on the circumstances in opposed to really bad credit loans. Who has time when an emergency arrives? If you had up to 30 days, you probably won’t need a loan. Many payday loan applicants are approved within minutes and have the much-needed money in their bank accounts within 24 hours. The process is quick and painless. If you have access to a computer with Internet, your application can be completed online from the comfort and privacy of your home. There is no waiting in lines or the embarrassment of being declined. Read your loan terms completely. Be aware of any fees that will be associated with really bad credit loans. Payday loan terms are normally anywhere from one (1) week to two (2) months. Again, payday loans are to be used for short-term emergencies. If you can pay the loan in full BEFORE your payday, you could avoid certain fees. Your loan amount is based on your salary. Remember only borrow what you need. Ensure that you keep all copies of your loan documents.