Borrow Up To $1,500

Find more about No Credit Check Loans 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.
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Trusted Lender

Secure Application

Fast Approvals

How to get approved for No Credit Check Loans?

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 No Credit Check Loans in Canada.

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get No Credit Check Loans in Canada 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 No Credit Check Loans in Canada?

If you have less than perfect credit and looking to get a loan, then no credit check loan is the best solution. No credit check loans are the type of loans where no credit check is required in order to get your loan application approved.

The main providers of no credit check loans are payday loans companies, but no all lenders offer no credit check loans. Before applying for a no credit check loan with a payday loan company inquire if that company would run a credit check on you.

Can I get approved for a no credit check loan if I have bad credit?

Yes, you can apply and get approved for a credit check loan even if you have bad credit. The reason why these loans are called “no credit check loans” is because lenders that provide these loans do not run credit checks. No credit check loan lenders use alternative means of assessing borrower’s ability to pay back the loan. As long as you have income, place of residence, an active phone number and a bank account with satisfactory account activity and your income being deposited into that bank account, you should qualify for a bad credit loan with that lender.

How to get a loan with no credit check?

The best way to get a loan with no credit check is online. The reason why it would be easier to get a no credit check loan online is because you have greater accessibility to all lenders in Canada online vs simply trying to find one close to your geographical location.

Google for “no credit check loans”, go through lenders’ websites, verify lender’s legitimacy, check lender’s lending requirements, apply for the loan online.

Where can I get a loan with no credit check in Canada?

There are two options to get a loan with no credit check. You can find a lender and apply online, or try to find a lender that has a store front location near you where you can walk in and apply in person. You should research local and online loan lenders before applying for a no credit check loan. Check lenders requirements to get a loan as well as loan terms before applying.

How long does it take to get approved for a no credit check loan in Canada?

It does not take that long to get approved for a no credit check loan in Canada. Lenders that provide no credit check loans are usually payday loan companies, car title loan companies, pawn shops. Payday loan companies do no require any collateral to get a loan, while others do.

It might take less than an hour to apply and get approved for a payday loan with some payday loan companies while days with others. Apply with a payday loan company that offers easy online application form, faxless approval and funds via e-mail money transfer and you might receive your funds within in hour.

What is the maximum no credit check loan amount I can borrow?

The maximum no credit check loan amount is dependent on the type of lender you apply with and whether you have a security for the loan or not. If you have no security to put against the loan, then most likely you will have to resort to services of a payday loan lender. Payday loan lenders have a loan limit of $1,500. Online payday loan companies offer same day approval and funds via email money transfers within, minutes after being approved for a loan.

If you have a collateral like a vehicle or real estate, then you can get available equity in that vehicle or property. With car title loans, you can get up to $25,000 if your vehicle has been paid off. With real estate, you can get up to 80% of your equity.

How fast can I get my no credit check loan once I get approved?

Getting your funds once you get approved for a no credit check loan might take from 30 minutes to up to 2 business days. It all depends on what payment system uses that lender that you are getting the funds from. Some lenders use e-mail money transfer services. With those lenders, receiving your funds should take 30+ minutes after your loan proceeds get disbursed by the lender. If your lender utilizes EFT (Electronic Funds Transfer) payment system, then you are likely to receive your funds in 2 business days after funds proceeds get disbursed by the lender.

How do I pay back my no credit check loan?

To pay back your no credit check loan you need to ensure that you have funds in your bank account on your loan due date. Nowadays lenders would simply debit your bank account on the loan due date.