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.

If You Need Unsecured Loans With Bad Credit…Tread Carefully

If you have ever experienced debt, you could one day need unsecured loans with bad credit. Wikipedia describes debt to be, “A debt is that which one party, the debtor, owes to a second party, the creditor; usually this refers to assets owed, but the term can also be used metaphorically to cover moral obligations and other interactions not based on economic value”. If you have accumulated a large amount of debt, it is unlike that you would be able to obtain a low interest unsecured personal loan. Due to the current credit guidelines that have been imposed, without some type of collateral, a low interest personal loan from a private financial entity would be nearly impossible. There is no shame in ever need unsecured loans with bad credit.

Beware Of Wolves in Sheep Clothing When Unsecured Loans With Bad Credit Bites

Picture of Unsecured Loans With Bad CreditIn terms of lending agreements, collateral is property that is handed over in means of guaranteeing the ability to secure a loan. If you default on the loan, no matter of the actual appraisal value of the property, the property is to be handed over in means of payment on the loan. Let me put this into perspective. This means if you dish over a Rolex watch worth $2,000 for collateral towards a $1500 loan, you will lose ownership to this watch FOREVER. Even if you made $800 worth of payments toward your loan, it does not make a difference! Many have been driven to unsecured loans with bad credit because of these types of practices. This is not the only type of loans that bad credit consumers fall for. When you are in need of cash, anything might sound like a good idea. Let’s examine loan sharks for instance. Wikipedia describes a loan shark to be “a person or body that offers unsecured loans at high interest rates to individuals, often enforcing repayment by blackmail or threats of violence”. Is this the type of dealing you want to expose your family to? Many times the need to borrow the money is for family related business. How would they feel if they knew something terrible happened to you because of a loan for them? You want unsecured loans with bad credit that does not involve violence or exposing your family to similar retaliation? It is not worth the trouble. There are many other options that are available to you and you don’t have to go into hiding. Payday loans are a great short-term loan solution. You can complete the application faster than you can tie 10 pairs of shoelaces. It can be done in awesome speed. If you need unsecured loans with bad credit, you should look into the simple qualifications that are required. Each payday loan is different. Some payday loans offer the first loan to be fee free. Each company offers its own type of incentive to it applicants. Talk to family and friends if you need unsecured loans with bad credit. Payday loans are on the rise in the financial world. Many people have already obtained at least one (1) payday loan before. If you have any questions about the loan process, please be sure to ask all needed questions. Many payday loan companies have a FAQ section on their website. It normally details all the questions that a customer could possibly have. It is very helpful in tying up some lose ends when it comes to making up your mind. When choosing which option is best for your situation, please be sure to take note of all of the risk as well as positives about your loan choice. Make the decision for you.

Unsecured Loans With Bad Credit Video