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5 Star Ratings on Google
★★★★★ 5/5
What Our Customers Have To Say
Emma
Emma
★★★★★
Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
James
James
★★★★★
The service was quick and customer service representatives were helpful and friendly.
Sophie
Sophie
★★★★★
Very professional, respectful and quick to answer questions or concerns.
Lily
Lily
★★★★★
Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
Olivia
Olivia
★★★★★
Customer service today was great answered all my questions and was great helping me with my banking issues.
Clara
Clara
★★★★★
First time using this company. Extremely fast service and no hassles. I highly recommend them!
Grace
Grace
★★★★★
Friendly fast and efficient. Great company to deal with and the application is straightforward.
Jack
Jack
★★★★★
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.
Ethan
Ethan
★★★★★
Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
Daniel
Daniel
★★★★★
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
e-Transfers

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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Is Focus Cash Loans Legit? Your Complete Guide to Secure Payday Loans

Table of Contents

Yes, Focus Cash Loans is a legitimate and licensed payday loan lender, offering fast, convenient online payday loans up to $1,500. Based in Vancouver, British Columbia, it ensures a secure and trustworthy service for Canadians in need of short-term financial solutions. With no credit checks and instant banking verification, Focus Cash Loans stands as a reliable source for payday loans.

Important Consumer Alert

Focus Cash Loans prioritizes the security and trust of its customers. We want to make it explicitly clear:

  • We do not engage in cold calling to offer loans. Any such calls, especially those involving gift card transactions, are fraudulent.
  • Our loan amount goes up to $1,500, aligned with being a licensed payday loan lender.
  • Beware of scams involving gift cards. We never request payment or secure loans through gift cards. Such practices are fraudulent.
  • Trust only Inverite.com for banking verifications. Never enter your banking details on any site other than Inverite.com for your loan application with us.

By emphasizing these points, we aim to protect our consumers from potential scams and underscore our commitment to security and transparency.

Why Choose Focus Cash Loans?

Focus Cash Loans stands out in the payday loan market for numerous reasons, affirming its legitimacy and reliability:

Quick and Convenient Online Application

  • Entirely Digital Process: Apply anytime, anywhere, with our 24/7 online application system.
  • Instant Verification: We use Inverite.com for safe and immediate banking verification.
  • Fast Funding: Receive your loan through email money transfer usually within 30 minutes of approval.

No Hidden Fees or Credit Checks

  • Transparent Loan Fees: A straightforward fee of $15 per $100 borrowed.
  • Inclusive to All Credit Types: No credit checks mean we welcome applications from individuals with bad credit, no credit, or past bankruptcies.

Secure and Reliable

  • Licensed Lender: Fully licensed to operate as a payday loan lender in Canada.
  • Data Security: Adheres to TLS best practices to protect your personal information.
  • Direct Lender: We directly manage your loan application, approval, and funding without involving third parties.

Customer Satisfaction

  • High Trustpilot Rating: Rated “Excellent” with a 4.6 out of 5 stars, reflecting high customer satisfaction.
  • Dedicated Support: Accessible customer service via toll-free phone, local number, and email.

Services Offered by Focus Cash Loans

Our commitment to providing a seamless and transparent payday loan service includes:

  • Online Payday Loans: Fast, digital application and funding process.
  • Flexible Loan Amounts: Borrow from $100 to $1,500, depending on your needs and income.
  • Simple Repayment: Automatic bank account debit on your payday for hassle-free repayment.

Ensuring Your Security

We take your security seriously, which is why we alert our customers to potential scams and insist on the exclusive use of Inverite.com for banking verification. This commitment extends to our application and funding processes, emphasizing our role as a direct lender and eliminating the risk associated with brokers or third-party lenders.

Contact Focus Cash Loans

For more information or to apply for a loan, contact us:

  • Toll-Free Phone: 1-877-605-6262
  • Tel: (604) 439-7667
  • Email: support@focuscashloans.ca
  • Head Office: 3333 Kingsway, Vancouver, British Columbia V5R 5K6

Choosing Focus Cash Loans means opting for a trustworthy, secure, and customer-focused payday loan service. Our licensing, commitment to data security, and the ease of our application process underscore our legitimacy as a top choice for Canadians in need of quick financial assistance.

Frequently Asked Questions: Is Focus Cash Loans Legit and How Can It Help You?

Yes, Focus Cash Loans is a legitimate and licensed payday loan lender based in Vancouver, British Columbia. It operates with full compliance with provincial regulations, offering secure, fast, and convenient online payday loans to Canadians without requiring credit checks.
You can verify the legitimacy of Focus Cash Loans by checking their licensing status through provincial regulatory bodies. Additionally, the company's high customer satisfaction ratings and its secure use of Inverite.com for banking verifications further attest to its credibility and trustworthiness.
No, Focus Cash Loans does not perform credit checks. It welcomes applications from individuals with all types of credit backgrounds, including bad credit, no credit, or past bankruptcies, emphasizing its commitment to providing financial solutions to a wide range of customers.
Focus Cash Loans warns against scams where fraudsters might impersonate them, especially involving cold calls and requests for payment via gift cards. Such activities are fraudulent. Focus Cash Loans does not engage in cold calling or request gift card payments. Always ensure you're communicating through their verified contact details.
Focus Cash Loans charges a transparent loan fee of $15 per $100 borrowed, with no hidden costs. This fee structure is in line with provincial regulations, ensuring that borrowers are well-informed about the costs associated with their payday loans.
Focus Cash Loans offers fast processing times, typically approving loans and transferring funds via email money transfer usually within 30 minutes of approval during business hours. This rapid service is ideal for individuals in need of immediate financial assistance.
The maximum loan amount offered by Focus Cash Loans is $1,500 or up to 50% of your paycheque, whichever is lesser. This range is designed to help customers manage short-term financial needs without leading to unsustainable debt.
To be eligible for a loan from Focus Cash Loans, applicants must be of legal age (19 in BC, 18 in Alberta and Ontario), have a minimum monthly income of $1,200 from specified sources, possess a bank account where income is deposited, and have a reachable phone number.
Yes, you can apply for a loan from Focus Cash Loans outside of traditional business hours. Their application process is entirely digital and available 24/7, providing convenience for borrowers to apply anytime and from anywhere.
If you encounter anyone suspicious claiming to be from Focus Cash Loans, especially if they request payment via gift cards or through any means other than Inverite.com for banking verification, report the incident immediately to Focus Cash Loans using their official contact information. This helps protect both you and others from potential scams.

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Legal

[Alberta Residents: Maximum charges permitted in Alberta for a payday loan: $14.00 per $100.00 lent. We charge: $14.00 per $100.00 lent. For a $300.00 loan for 14 days: Total cost of borrowing = $42.00. Annual Percentage Rate = 391.07%. This information meets the requirements of the Consumer Protection Act. Payday loans are a form of high-cost credit. Payday Loans Business Licence number: 327008] [British Columbia Residents: Maximum charges permitted in BC for a payday loan: 14% of the principal. We charge: 14% of the principal. For a $300.00 loan for 14 days: Total cost of borrowing = $42.00. Total to be repaid = $342.00. Annual Percentage Rate = 391.07% This information meets the requirements of the Business Practices and Consumer Protection Act. Licence Number 50034] [Ontario Residents: Maximum Allowable Cost per $100.00 Borrowed: $14.00. Our Cost per $100.00 Borrowed: $14.00. Example: Your $500 loan for 14 days Your $500.00 loan for 14 days. Amount Advanced: $500.00 Total Cost of Borrowing: $70.00 APR: 391.07% Total You Repay: $570.00 This poster is required under the Payday Loans Act, 2008 Licence Number 4716299]

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