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

3 Easy Steps

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

How Focus Cash Loans is Different

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.

More about about Cash Advance from Credit Cards such as Visa, MasterCard or American Express.

If you are in a financial squeeze and need cash quickly, credit card advances can be a simple solution. There are real emergencies where you need cash immediately, but you can’t bear the strain on your credit card. If you know how cash advance fees can really contribute to rising credit card debt, you may wonder if there is a way to avoid them. In emergencies where cash is useful for you, a credit card advance may not be the easiest solution at first sight.

If you cannot pay with your credit card, you may need to receive a prepayment that is not connected to your card, borrow some cash from Focus Cash Loans. If you still think you can use credit cards for cash advances, you should compare them with lower cash advances to see if there is an option that works for you. Cash advancing can be a great solution for someone who needs cash quickly and can repay it quickly. Even if you do not have a credit card, you should use your online bank account or a debit card such as Visa, MasterCard or American Express as a prepayment. However, if you need money quickly, a credit card advance can be useful if it is the only option.

If you use your credit card to overdraft protection, purchase a money order, put money on a reloadable gift card, buy lottery tickets or send money to another person, you can be charged cash in advance. You can also be charged a ATM fee, in which case you use an ATM that is not connected to your bank or card issuer and you forget to pay your cash advances in another country. It is more likely that they will charge you for ATM fees, but in some cases they will not. If you need to borrow money from a bank, credit union or other financial institution such as an online bank account, the credit card company will immediately charge you for the advance payment. Personal: Visit your banks and credit unions and ask for a prepayment on your credit card.

Ideally, use a credit card with the lowest possible interest rate, but bear in mind that you are taking out an expensive short-term loan. However, interest charges are not available with cash advances, so ideally you should consider alternative options as interest rates on credit cards or cash advances can be so high. If you have a cash-back travel card, you can earn rewards that help offset some of the cost of using your Cash Advance credit card. Before you take your plastic to the ATM, you should consider whether your credit card cash might be useful in the right situation in advance, or whether it is expensive and should generally be used as a last resort.

If you are using your credit card to finance an overdraft, you should know that your cash advance is considered an “overdraft.” If you withdraw money with credit cards or cash, the money is not yours as it is borrowed against your credit card limit and must be repaid with full interest. For cash advanced in Canada, you must pay interest on the day you take the money until you repay the full amount.

While prepayment fees and ATM fees continue to apply, there are credit cards that charge the same interest rate for the purchase of advances. These types of cards offer lower interest rates than other credit cards and make it easier to track interest expenses without making advance payments. You must pay at least $5 per month in interest and a maximum interest rate of 10%.

One problem with cash advances is that some issuers charge significantly higher interest rates when you withdraw cash from your account. Interest rates on cash withdrawals also tend to be higher than on other credit card transactions. One of the only ways to avoid prepayments is to avoid prepayment and cashless transactions with credit cards. Cash advances have an interest rate that is normally applied when you buy something with your card, so interest starts to pile up immediately. The interest charges on cash advancing will kick in immediately, without a grace period.

Using your credit card to purchase foreign currencies or travellers cheques is not a good idea, as such transactions lead to advance rates with credit cards.

If you are in a situation where cash is preferred, you can only be tempted to make an advance payment with a cash machine from a nearby bank by credit card, even if you cannot make it yourself. If you have a PIN on your credit card, you can go to an ATM and get an advance and use the ATM to get cash in advance. If you do not, you will have to go to another ATM and if your PIN is attached, it can give you an advance of the same amount as you would with a debit card.