Borrow Up To $1,500

How to Get Approved for Loans for Bad Credit Canada - No Credit Check - 24/7 Instant Approval.

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.
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Trusted Lender

Secure Application

Fast Approvals

How To Get Loans for Bad Credit in Canada with No Credit Check?

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 to Qualify for Loans for Bad Credit in Canada with No Credit Check.

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get Loans for Bad Credit in Canada with No Credit Check 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.

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 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 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 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.