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 Small 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 Small 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 Small Loans For Bad Credit since 2008.

It Is Possible To Get Small Loans for Bad Credit in Canada

Suppose you have a small business that you have been running and you need to apply for a loan so that you are in a position to improve the status of your small business. In that case, it is possible to apply for a long term loan so that you can have a lot of ease when you are paying the loan back to the lender. The short term loans are not so good for a person with a small business because paying it may be a bit difficult and challenging as the time span given is not enough to recover the money loaned. There are small loans for bad credit persons available from sub prime lenders who have no problem with your credit history, so all you need to do is to find yourself a lender.

The good thing about small loans for bad credit individuals is the fact that they are long term loans that you as the borrower decides for yourself the time that you feel you will be comfortable enough to pay for the loan you applied for plus the interest that comes with it. Your condition is put in to consideration with this kind of loan, and you will be at peace paying for your loan after you have improved the condition of your small scale business to a higher level.

The Two Options for Getting Small Loans for Bad Credit From A Sub Prime Lender

When you apply for a small loan with a bad credit history, the lender will not deny you the opportunity to get a loan. There are two options that you have to choose from when applying for this loan, and this is the secured and the unsecured loans altogether. The two options are being practiced by almost every lender but most of them settle for one for the sake of having some sort of ease knowing that if you do not manage to pay your loan back, they will have an asset that they can sell which is equivalent to the loan given.

This is the secured loan option. In this option, the small loans for bad credit persons are given the loan only under the condition that they have an asset which they can give to serve as collateral before they are able to pay off the loan to the lender. This is the most used option because the lender knows they are running a risk by giving you a loan and you still have a bad credit history, so they need an asset under your ownership which they will use as bait in case you fail to pay back the loan that they lent to you despite your bad credit history.
The second option is the unsecured loan. This choice is not used by many lenders and chances of you getting small loans for bad credit are close to nil if you apply with this option. No sub prime lender wants to suffer the risk of losing the money they are giving you because they have not secured the loan with anything but they have just given you their money like that. This option will not allow you to get a loan easily and it will also seem it is like you are assuming the responsibility of paying your loan debts in the future.

Since you will be paying your loan with a lot of ease in the future, it is important that you use the secured loan option where you will only give an asset for sometime before you pay your loan plus the interest and then get your asset back after payment. The small loans for bad credit persons are even better as there is no reason to hurry with the payments since they are long term.