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
Read More
Really easy to use and quick fast with no hassle
Karie
Karie
Read More
Very good customer service. Always friendly and helpful.
Carrie Vedan
Carrie Vedan
Read More
You guys are always there for me when no one else is thank you!!
Ms. Emily A. Angulalik
Ms. Emily A. Angulalik
Read More
Quick and reliable!👍👍👍
Customer
Customer
Read More
Always incredible helpful and reliable when needed. Staff are friendly and effective.
Sharon C
Sharon C
Read More
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
Read More
Great, fast,service. Always polite if I need to call but every thing can be done online ( which I like)
Customer
Customer
Read More
Fast and efficient customer service, I am a satisfied valued client. Thanks a lot
 D. Ackles
D. Ackles
Read More
Great service provided by great people. Always.
Customer
Customer
Read More
Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.
Neil
Neil
Read More
They are very professional and helpful and provide excellent customer service.
Nancy
Nancy
Read More
You have always been so easy to deal with. Highly recommended.
Milagros
Milagros
Read More
Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.
Previous
Next

Trusted Lender

Secure Application

Fast Approvals

How To Get What Are Bad Credit Score Loans

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

What Are Bad Credit Score Loans 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.

Provider of Bad Credit Score Loans since 2008.

What are Bad Credit Score Loans?

The world has drastically changed since the 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 that 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

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.