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.
Keith
Keith
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Quick, efficient and friendly. These people get 5 stars and a big THANK YOU for the help!!
Josh
Josh
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Was a very quick and easy process and the customer service was great
Michelle
Michelle
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I’ve been with Focus for years and I’ve had a great experience with the staff and the service is fast
Rob
Rob
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Focus Financial is very is to deal with and quick i would recommend to anyone who needs a loan
Gail
Gail
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Been with Focus Cash Loans for many years. I have always had excellent service.
Sharon C
Sharon C
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Focus Cash Loans makes it so easy to receive as well as repay loans.
Customer
Customer
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Reliable and there when you need them. I've been using this service for over a year now and they are great!!
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Trusted Lender

Secure Application

Fast Approvals

3 Easy Steps

1. Apply Online

Easy & Secure application with step by step guidance.

2. Get Approved

Fast loan approval process that only takes minutes.

3. Get Your Money

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

All Types of Income Accepted

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get a Loan from Focus Cash Loans?

Trusted Lender Since 2008

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

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.

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. We have personalized approach to every loan application.

Instant Interac e-Transfers

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

No Hidden Fees Or Charges

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

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.

Frequently asked questions about online payday loans in Canada.

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.

Learn more about other types of loans