Get Funds In Minutes*​

5-Minute Application With No Credit Check​

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What Our Customers Have To Say

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Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
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The service was quick and customer service representatives were helpful and friendly.
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Very professional, respectful and quick to answer questions or concerns.
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Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
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Customer service today was great answered all my questions and was great helping me with my banking issues.
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First time using this company. Extremely fast service and no hassles. I highly recommend them!
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Friendly fast and efficient. Great company to deal with and the application is straightforward.
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I was in a real pinch. This was fast, easy and I got the funds I need quick. Sure beats any of those other services in Canada.
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Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
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Very quick online application and very friendly customer service.

3 Easy Steps

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1. Apply Online

Easy & Secure application with step by step guidance.

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2. Get Approved

Fast loan approval process that only takes minutes.

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3. Get Your Money

E-mail money transfer within 30* minutes after approval.

All Types of Income Accepted

At Focus Cash Loans, we accept many types of income, including employment, benefits, and pensions. Apply now for fast and convenient loan service!

Employment Income

Child Tax Credit Benefits

Unemployment Insurance

Private Disability Insurance

CPP & Private Pension

Workers Compensation

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Why Get a Loan from Focus Cash Loans?

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Trusted Lender Since 2008

For the past 12 years, we have been helping Canadians to meet their short term financial needs.

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Apply Online Anytime 24/7

Don't stand in line, apply for a payday loan 24/7 from the convenience of your own home or office.

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All Types of Income Accepted

We not only accept employment income, but EI, child tax, private disability, workers comp & pension as well.

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No Credit Check Loans

Unlike other lenders, we do not run credit checks. We have personalized approach to every loan application.

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Instant Interac

Don't wait days, receive funds within minutes of being approved with the convenience of Interac e-Transfers.

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No Hidden Fees Or Charges

100% transparency, when you get a payday loan from us, there are no hidden fees or extra hidden charges.

GET UP TO $1,500!​

Download Our Mobile App Now​

Get 24/7 access to your account from anywhere with our free mobile loan app by signing up.

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Commonly Asked Questions

Can I get an online payday loan if I have bad credit?

The simple answer is “YES”, you can get an online payday loan from Focus Cash Loans even if you have bad credit. Unlike some other payday loan companies, we simply do not run credit checks. We understand that people have credit difficulties from time to time and do not disqualify you from getting an online loan from us simply because you had some credit difficulties in the past. We look at your bank account activity and your employment history to assess your payday loan application.

Bad credit loans, are those the same type of loans as payday loans?

Bad credit loans are the types of loans that are offered by lenders that do not simply look at your credit score to approve you for a loan. Payday loans are the easiest types of loan to get if you have bad credit. Payday loans are limited to $1,500 by federal regulations. The best part about payday loans vs other types of bad credit loans is that no collateral is required to get the loan. The requirements to get a payday loan are simple and easy to meet.

What do I need to apply for payday loans online in Canada?

To qualify for online payday loans in Canada with Focus Cash Loans, you have to be employed or receive at least one of the following qualified income sources such as employment income, CPP, EI, Worker’s Compensation, Private Disability, or Private Pension. You must have a bank account where your income is deposited. You must be 19 years of age and have a phone number that we can reach you at.

How do I apply for a payday loan online?

Applying for a payday loan online in Canada with Focus Cash Loans is simple and super fast. Simply click on the “Apply Now” button and fill out our online application form. Our application form has been designed to eliminate unnecessary questions; we only ask for the minimum information we need to process your loan application. The online payday loan application form is interactive and simply asks you one question at a time. At the end of the application form, you will be prompted to digitally submit your banking account activity in order for us to assess your loan application.

What is the maximum payday loan amount I can borrow online?

The maximum loan amount that a payday loan lender can lend you is set by federal & provincial regulators in Canada. Currently, the maximum payday loan amount is set to $1,500. The maximum loan amount is also limited by 50% of your net pay.

How do I receive funds once I get approved for a payday loan?

Once your loan application gets approved, you will receive the funds via e-transfer. We are among a small number of payday loan companies that offer e-transfer payday loans in Canada. Once you receive the email transfer, you will have the ability to deposit the funds into your bank account 24/7. If you have registered your email for auto-deposit with Interac, the funds will be auto-deposited into your bank account.

How is a payday loan different from a personal loan?

First of all, to get approved for an unsecured personal loan, you should have good credit. If your credit score is below 650, you will not likely qualify for a personal loan. It is different with payday loans as at Focus Cash Loans; we do not run credit checks to get you qualified for a payday loan. Payday loans are limited to $1,500 by federal regulations but are easier to qualify for. While you can get a larger loan from a personal loan lender, the process will likely take longer, and there will be far more bureaucracy involved. So, if you need money right away, a payday loan is a better solution for your emergency loan situation.

How can I find a payday loan lender near me?

If you are deciding on applying for a payday loan online vs going to a payday loan store near you, think about the ease of getting a loan online from the comfort of your own home vs going to a storefront with a bunch of personal documents and possibly waiting hours in line. Focus Cash Loans has a simple and easy online application form that only takes minutes to complete. Our application process has been completely digitalized; there are no documents to fax or email. You will receive funds via email money transfer the same day you apply for a loan with us.

Payday loans VS installment loans, what’s the difference?

Unlike installment loans, payday loans are meant to fix your short-term financial emergencies and shortfalls. A payday loan is limited to $1,500 and has to be paid on your next payday. Installment loans on the other side can be repaid over a longer period of time as well as you can borrow up to $30,000. The advantage of a payday loan is that you do not need to have a good credit history to qualify. Furthermore, at Focus Cash Loans, we do not even run credit checks. It is way harder to qualify for a larger installment loan.

We Are the Leading Provider of Online Payday Loans in Canada Since 2008.

Focus Cash Loans is the leading online lender for payday loans in Canada. We offer quick and reliable service that can provide you with the fast cash you need in minutes! It only takes five minutes to apply for our online e-transfer payday loans and the process is – simply stated – easy! You can do all of this from the comfort of your own home without having to step out your door. This helps you keep your sanity by avoiding nasty Canadian weather, long line-ups, never-ending traffic jams and even bothering to use up gas and time to travel in the first place. If you focus on cash loans with Focus Cash Loans, you allow yourself to immediately put your focus on the solution rather than the problem.

Let’s say… you come home from a long day at work and all you want to do is relax with a nice warm cup of coffee or tea. Uh-oh! There is an unexpected bill in your mailbox. The average person would freak out and get stressed. The rest of their evening would be ruined. But the smart Canadians that focus on cash loans can focus on the solution instead of the problem. They see the opportunity to take advantage of payday loans in Canada. They apply online within five minutes, get a response within half an hour and receive their cash advance within minutes from that time all from the serenity of their own home! Stress be gone! Through all of this, they never lost their relaxed mood and they can continue their evening with that nice warm cup of coffee or tea and stay care-free.

Where you put your focus on grows. Why focus on the problem when you can focus on the solution. With Focus Cash Loans, when you focus on cash loans, you can keep your focus on playing with the kids, cooking dinner or simply relaxing on the couch watching your favorite show. Why stress when you don’t have to? When your car gets towed and you don’t have the funds to cover the expense, don’t stress – focus on cash loans. When you discover a leaky pipe in your home and your pay isn't until next week, don’t fret—focus on cash loans. When you realize that you wrote that cheque that will be coming out today and you didn't set aside the moola to take care of it, don’t worry – focus on cash loans. All you really have to do is focus on cash loans and your bright day will never go away! Click on the “apply” button right now and put through an online payday loan application for your quick cash loan today! You can apply from the convenience of your own home or office 24/7, on weekends, Saturdays & Sundays.