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.

Unsecured Loans for Bad Credit People

An unsecured loan means that you do not need to present any collateral while taking a loan. You can also borrow an unsecured loan even if you have a bad credit history. Unsecured loans for bad credit are a viable option for those who haven’t enjoyed a comfortable ride as far as managing their finances is concerned. An unsecured loan is categorized into different kinds of loans viz. home loans, car loans and personal loans. Different loans come with different terms and the amount to be loaned varies in each type. The fact that you do not need collateral while borrowing the amount is the basic reason behind the vast popularity of such loans. Moreover, people with bad credit history take these kinds of loans as in most of these cases they do not have something to be used as security.
Unsecured loans for bad credit are the perfect solution to meet all kinds of financial problems. These loans do not require much work to be done on the procedure. You can obtain the loan within days and the bank would be very co-operative as well. These loans do not pose any kind of risk to your property and hence are the best option available.
Bad credit can be known by your credit score. Credit score can be measured easily and your past records are what it is based on. The credit score will decide whether you have a bad credit or not. Even if you have a bad credit history you can apply for the unsecured loans for bad credit and the amount would be leant to you. There are many sources to look to in order to obtain these loans and a suitable option can be chosen by gathering information.


Things to keep in mind while obtaining unsecured loans for bad credit

Picture of Unsecured loans for bad credit - are the perfect solution to meet all kinds of financial problems. There are many things that you need to consider before taking an unsecured loan. There might not be any kind of collateral involved but that doesn’t mean that you would escape without paying off the loan. There are many features of these loans which differ from those of the secured loans. First of all, the interest rate of unsecured loans for bad credit is much higher than other kinds of loans and, since the bank is loaning the amount to a person with a history of bad credit the interest rate is inflated further. Some banks might offer reasonable interests rate of around 10% for smaller sums of money but many would charge interest rates up to 20% for larger sums but will provide you with efficient services and flexible options of repayment.
Unsecured loans are generally for your short term needs and shouldn’t be considered as a long time income source. Most lenders restrict the maximum amount to be loaned and the time of repayment so that they are ensured of their amount. Even if not feasible for long-term purposes, unsecured loans for bad credit are a good aid in getting the money you need in an emergency. Different kinds of emergencies might occur to anyone and the need of the day would be an urgent sum of money. Unsecured loans can be obtained within 24 hours and the instant service helps you with your situation.
Regular payments are the most important thing to keep in mind while considering an unsecured loan. As you do not need to present any collateral in order to obtain unsecured loans for bad credit, the bank expects greater efficiency of the customer in the repayment of the amount. Penalties might be imposed and hence you need to be careful regarding that situation as well.

Unsecured Loans for Bad Credit People Video