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

Unsecured Loans for People with Bad Credit

When does someone apply for an unsecured loan? Obviously, the person is in need of money, but the word “unsecured” plays a significant role as you do not have to provide any collateral as security while applying for a loan. And there will also be options of unsecured loans for people with bad credit. Bad credit is simply a condition when you are not able to maintain a good credit history. The bad credit is decided by the credit score, done by different methods, and will be a true sign of where you rank among all on the basis of credit. All situations like pending installments, unpaid debts, pending bill payments exemplify bad credit.

Searching the World Wide Web will give you numerous options of unsecured loans for people with bad credit to choose from. You can get all the vital information about different organizations and the terms they offer when lending a loan. Just checking one or two options might not be sufficient, and you need to go for a detailed search that will yield you positive results. You will have to check all terms like interest rates, repayment periods and amount of installments.

The one problem that generally comes with unsecured loans for people with bad credit is the fact that such people are taken as a risk and big or popular banks try to avoid such customers by rejecting them the loans citing their past record as the reason. But you will find many banks that will be interested in helping you out. The catch is that the interest rate charged would be much higher. Where you expect an interest rate of 7-15% for a normal loan, interest rates of unsecured loans for people with bad credit can hover around anything between 10-25%. Most banks that offer such loans set their interest rates on different criteria, but the basic reason for the high interest rate would be the bad credit record and the amount of money loaned.

Points to ponder upon before applying for unsecured loans for people with bad credit

The previous paragraph has made your search for a viable option to get unsecured loans for people with bad credit even more difficult, but you need to be careful about everything. You don’t want to be falling into traps and losing everything that you have. These are only short term solutions, and you need to think about many things before making the final choice.

The first thing is the reason for what you are taking a loan. Most banks divide the loans into different categories according to the need of the customer. The amount of money loaned in each case is different and the rate of interest also varies with the same. You need to understand your need and then make a choice for a suitable bank that might be popular for providing unsecured loans for people with bad credit in the specific niche.

You also need to consider the fact about the repayment of the loan. Taking a loan doesn’t finish your financial problems, it is just the beginning. You will have to repay the loan month by month and that could be a hard task to do. Elongating the repayment period means you will have to pay more to get the loan.

Finally, you should check your credit score once again. There are some disadvantages of unsecured loans for people with bad credit, and if you don’t fall under the category, then why should you pay that extra interest rate when you can get a loan at a cheaper rate.