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.

What are Bad Credit Score Loans?

The world has drastically changed since recession hit it with a force enough to trouble millions. It has left a lasting effect on the people. It’s not just the recession which contributes to your bad credit but also the rising prices and the people’s inability to meet them. This results in bad credit scores of people. The phenomenon is becoming common these days and people are unable to meet all their growing needs. Everyone needs to pay their monthly utility bills, make rental payments and spend on household stuff. Managing everything is extremely difficult in this competitive age. But you don’t need to worry for long as there are many bad credit score loans available which will ease the pressure on you.
Bad credit score loans help you to resolve your financial problems. They provide you the vital extra cash that helps you deal with the day to day problems. These loans can be taken by anyone, even someone who has a bad credit history. There are many financial institutions and banks which work in this specific niche and help the people who are in dire need of money.
Bad credit score loans are usually classified into two categories. The first one is the secured loans which are much better than the other option of unsecured type loan. The secured loan has a lower interest rate and a longer repayment period. Different amounts of money can be taken as a loan but different financial institution put restraints on the minimum and maximum limits. Same goes for the time period, which could vary from 5 to 20 years. On the other hand, borrowing an unsecured loan will require you to pay a higher interest rate and the repayment of the sum has to be done in a much shorter period than the ones in the case of secured loans.
The history of credit records tells whether you have a bad credit or not. The major factors contributing to the fact include arrears, bankruptcy, skipping or late-payment of installments, legal allegations or charges and defaults. The bad credit score loans help you in all the aforementioned situations. You can deal with the financial crisis and maintain the life you have always lived.

Benefits of Bad Credit Score Loans

Picture of Bad Credit Score Loans - Bad credit score loans for different kinds of uses!As mentioned above, these loans help you manage all kinds of financial crunches. They help you in all kinds of situations even when you have been rejected by other banks due to your bad credit history. They not only help in situations like bankruptcy and arrears but they come in very handy when someone meets an emergency, especially a medical one. If you do not have a health insurance and meet with an accident, you might need a sum of money which you cannot pay otherwise. Bad credit loans act like an angel in such cases and you can return to your normal life once you regain your health.
Many institutions or banks offer bad credit score loans for different kinds of uses. Like a normal loan would be categorized according to the need to take loan i.e. home loans, car loans, personal loans etc, similarly bad credit score loans are categorized according to your need of the day. The interest rates vary with each type and you can easily avail the services to solve your financial crunch.
What these bad credit score loans also do is that they improve your credit record. Your past credit records become a history once you have repaid the loan and you might not face any problems while applying for a loan in future.

Bad Credit Score Loans Video