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Exploring Loans for Bad Credit Canada – No Credit Check – 24/7 Instant Approval

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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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How to Get Approved for Online Loans for Bad Credit and Instant Approval in Canada with E-transfer.

These types of loans are intended for consumers that have bad credit. Bad credit usually means delinquencies with paying your bills that are reflected in your credit bureau file, unpaid collections, thus low/bad credit score. A credit score below 560 is considered bad, and will most certainly disqualify you from getting a personal loan from almost all mainstream financial institutions. To check your credit bureau file, simply visit Trans Union or Equifax websites where you can request a copy of your credit bureau file.

Can I get approved for a loan if I have bad credit?

Yes, you can definitely get approved for a loan if you have bad credit and past bankruptcies. There are a number of loans for bad credit lenders. These lenders of cause charge higher interest rates so they can cover higher delinquency rates associated with loans for bad credit.

Online bad credit loan companies usually asses your ability to pay back the loan, rather than looking at your credit profile. Focus Cash Loans goes even further than that. At Focus Cash Loans we don’t even run credit checks. We offer no credit check loans to our customer. We use alternative means of assessing your loan application and take a personalized approach to every loan application we get. At Focus Cash Loans, we understand that people might run into financial problems once in a while and that it is very easy to ruin your credit that might take years to rebuild. A long as you are employed or receive one of the following: pension, EI (unemployment insurance), private disability benefits; have a bank account where your income is deposited and have good banking account activity, you should qualify for a loan with Focus Cash Loans.

Where to get loans with bad credit?

The easiest way to get a loan with bad credit is online. There are bad credit loan companies that would lend you even if you have bad credit. These companies charge higher interest rates to mitigate the risks associated with these types of loans.

Focus Cash Loans is one of those lenders, but we have taken it even further. We do not run credit checks at all! Unlike other bad credit loan lenders, we understand that people might have difficulties in life that can effect their credit score. That is why we evaluate borrower’s current ability to pay the loan and don’t look at credit difficulties that happened in the past.

Do bad credit lenders require any kind of collateral to get a loan?

There are different types of bad credit loan companies. There are car title loan companies that would lend money to people with bad credit and take their vehicles as a collateral. There are second/third mortgage loan lenders that would take your home’s equity (if you own one) as a collateral and put and register a charge on the home’s title. There ware pawnshops where you can pawn your personal belongings.

Unlike any of the above lenders, Focus Cash Loans does not require any collateral. We put trust our customers and understand that not every person that needs a loan has a collateral. With us, you can get an unsecured loan up to $1,500, even if you have bad credit or filed bankruptcy in the past.

Do guaranteed approval bad credit loans exist?

Well, it all depends. If you meet lender’s lending guidelines, your loan is almost guaranteed, but different lenders have different lending requirements. With Focus Cash Loans, as long as you meet our simple and easy to meet lending requirements, your approval is almost guaranteed. The reason why Focus Cash Loans has higher approval rates than other bad credit loan lenders, is because we do not even run credit checks or require any type of collateral to get approved for a loan.

How long does it take to get approved for a bad credit loan?

Getting approved for loans for bad credit usually takes less than a few hours. Once your loan application is received, it will be processed by our customer service representative the same business day you apply. We provide completely digital online experience, so you will not be required to email or fax any documents. All you need to do is to electronically verify your bank account.

Is the approval instant for bad credit loans, and can I get funds via email money transfer service?

If you apply during our business hours, it usually takes less than an hour to process your loan application. Processing times usually depends on the volume of applications that we are receiving at that particular time. Once your loan application gets approved, we will send you an email money transfer. Email money transfer is the fastest way to receive the funds, so you can rest assured that you will receive the funds shortly after your loan application gets approved.

Loans for Bad Credit: Answering Your Most Urgent Questions on Payday Loans in Canada

Loans for bad credit are financial solutions designed for individuals who might have a history of missed payments, defaults, or other negative remarks on their credit report. These loans cater to Canadians with a credit score below 560, which many traditional lenders might consider risky. These loans are specially crafted to assist those in urgent financial needs, no matter what their credit history might be.
Traditional banks and financial institutions often base their loan approval on credit scores. So, if you've got bad credit, your chances of getting approved can be slim. Payday loans for bad credit in Canada offer a lifeline, as they focus more on your ability to repay the loan rather than past credit mistakes. Plus, with 24/7 online applications and instant funding, they provide one of the fastest ways to access cash.
It's quite simple! You apply online, and the direct lender assesses your application based on your current financial situation rather than solely on your credit history. With almost no refusal, you can get approved and receive funds through e-transfer, all without needing to fax any documents.
There are numerous companies offering bad credit loans in Canada. When searching for the best, look for features like 24/7 applications, instant approval, e-transfer capabilities, and a reputable history of serving Canadians for years. Always ensure the lender is transparent about fees and charges.
If you apply during business hours, most payday loans for bad credit offer instant approval and will e-transfer the funds to you shortly after. It's one of the quickest ways to get emergency cash, especially during weekends or after hours.
Online is your best bet! With 24/7 applications and the convenience of e-transfer, you can apply from the comfort of your home or on the go. Just search for trusted lenders in Canada that specialize in bad credit loans.
Always do a bit of homework. Check the company's website for clear indications that they are a direct lender. Reviews and testimonials can also provide insights. Direct lenders will handle your application, approval, and funding without redirecting or passing your information to another party.
Almost anyone! As long as you have a steady source of income, be it from employment, benefits, pensions, or other sources, and meet the basic requirements, you can apply. It doesn't matter if you've had financial hiccups in the past; these loans are designed to help you when you need it most.
Lenders take on a higher risk when offering loans to individuals with bad credit. To compensate for this, interest rates might be a tad higher. However, the convenience, speed, and almost guaranteed approval often make it a worthy trade-off for many Canadians in need of urgent funds.
Ensure all your details are accurate when applying, have a stable source of income, and choose a lender that offers a personalized approach, like those that skip credit checks. Remember, these lenders are looking at your current ability to repay, not past mistakes.