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!πŸ‘πŸ‘πŸ‘
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 Personal Loans For 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 Personal Loans For 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 Personal Loans For Bad Credit since 2008.

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

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 once 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 that 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.