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 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 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 With Bad Credit since 2008.

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 unlikely 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

In 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 its 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 loose 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.