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.

Main Facts About Unsecured Personal Loans for Bad Credit

The days where getting a loan was frowned upon is a thing of the past. One has to get a loan to do almost everything in this time and age whether it’s to start a business to pay for fees or even to help meet the basic day to day necessities. This was a problem for those who had acquired bad credit earlier on, but not anymore because that has become a thing of the past; since more people are opening up to giving out loans especially unsecured personal loans for bad credit. This can be done by following simple but really important instructions.

Reasons Given For Unsecured Personal Loans For Bad Credit

Picture of Unsecured Personal Loans for Bad Credit First of all you need to understand what an unsecured personal loan for bad credit is. This is where one is offered a particular amount of money without any collateral. This may not be a very large amount depending on the amount of income and the amount of credit owed. After understanding what the unsecured personal loan is all about, it is wise to check the amount of credit that has accumulated. This is good for two reasons, enabling the borrower to know just how much they need and can get and secondly, there will be no surprises ones you are contacted by a lender who might have some concerns about the amount of credit you have.
After doing this and knowing all the credit you owe, research on the banks and other financial institutions which offer loans to people with the amount of credit such as yours. Get your credit report and compare with the unsecured loan requirements. Luckily, unlike secured loans, an unsecured loan does not require one to offer something as collateral. This is highly beneficial to those who do not have anything of value to offer. Because of this, the loan given is compared to the amount of income and the how long the lender thinks the borrower will be able to pay back the loan. The disadvantage of the unsecured personal loan for bad credit is that the lender might not meet the financial needs of the borrower.

Never go for an unsecured personal loan for bad credit in Canada lender without comparing all the options available. One might come to find out that there are other lenders out there with more suitable rates and which match the needs of the borrower fully. Comparison is done best through the internet as it saves on time and transport costs. This also reduces any risk of loss since one knows that the system with their particular lender is the same as that with the other lenders. Because the unsecured personal loan is offered without any collateral, the borrower rests easy knowing there is no risk of loss, however, this comes at a cost since unsecured loans are offered at a higher interest and are given at a short term.
Since unsecured loans come abruptly, they can be used for emergency expenses such as funding for school fee, purchasing a car and a home, improvement of a home or business or even funding for a wedding. This should however be paid on time to avoid the amount of interest rate going up therefore leading to more bad credit. Before applying for the loan really consider whether or not it is wise to go into more debt. If you find you do not need the loan then it is best to avoid it altogether. But if the loan is mandatory then use the money wisely because approval for unsecured loans for unsecured personal loan for bad credit in Canada do not come often and if approved one should consider themselves lucky.

Unsecured Personal Loans for Bad Credit Video