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.

Very Bad Credit Loans

Finding a loan, with your bad credit history, to solve your financial situation can be a daunting task. Financial institutions and Banks are reluctant to lend a sum to people who haven’t been able to repay their debts in the past or have had other problems attributing to their bad credit record. Such people are out rightly rejected most of the times and their difficult situation persists for a longer duration. But what comes as a savior for these people are the very bad credit loans. These loaning institutions do not consider your credit history and lend you the required money quickly and with a little or no harassment.
Your riskiness as a customer for a loaning institution is determined with your credit score. It takes into consideration all your past records and decides whether you are a viable candidate for securing a loan or not but for availing the facility of very bad credit loans you do not need to worry about that.
Picture of Very Bad Credit LoansVery bad credit loans are aimed at providing service to those who are in need of money to solve their problems. Many people have a bad credit history but that shouldn’t make them an unviable customer. They also hold an equal right to avail the lending services and these loans assure this. Such institutions provide loans to people with different credit histories. These loans help you solve all your problems when you need the money the most.
The two types of very bad credit loans have different advantages. Where a secured loan provides flexibility in loaning amount, loaning period and low lending rates, unsecured loans don’t require any security. Both loans are helpful in different circumstances and should be considered differently in all cases. Both these kinds of loans can be borrowed in quick time and hassle-free.
These loans will also help you improve your credit score for the future. Being able to repay the loan makes you more credible and you will not face any problems in securing a loan in the future.

Obtaining very bad credit loans

Very bad credit loans have gained popularity over the years. The needs of the people have increased but there have been financial problems making things worse for everyone. One such occasion when the recession struck the world and this is the very reason why the very bad credit loans are gaining popularity. Different financial institutions consider a variety of things while providing a loan. You also need to consider a few things before taking the loan. You have two major options to choose from. A secured loan demands collateral to be kept as security for the sum but has advantages of providing a flexible time period for repayment and a flexible amount to be borrowed. On the other hand, an unsecured loan doesn’t demand any collateral but you will have to pay a higher rate of interest. Restrictions are also imposed on the loaning amount and time period which decrease the precedence of this type of loans. Even with all these restrictions, both kinds of loans are a very good option to solve your financial crisis.

There are many such financial institutions/banks offering such loans and searching online will yield you fruitful results. You can search for local loan providers in your area and can contact them to start the proceedings. Many also offer easy online loans. You can fill out the form in the comfort of the office or your home and do not have to travel around to that stuff. Such loans are easily available and the amount will be transferred within a few days to your bank account.

Very Bad Credit Loans Video