Borrow Up To $1,500

Find more about Online 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 Online 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 Online Loans in Canada.

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get Online 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 Online Loans in Canada?

Do you remember the old days when you had to make an appointment at your bank or credit union to apply for a loan? Once at the branch, you had to fill out a paper application form and wait for a couple of days for your loan application to be processed to get the funds. Well, those days are long gone! Most lenders nowadays have the ability to accept loan applications online and process your loan request without you visiting a physical branch. Once approved, the loan proceeds usually wired directly into your bank account, or with some lenders, you can get an email money transfer.

Read the following Q & A to find out advantages of getting a loan online.

Where can I find online loans with no credit check and instant approval in Canada that are open 24 7?

There are a lot of online loan lenders in Canada. Most installment loan lenders that offer online approval do run credit checks. If you are looking for a lender that doesn’t require a credit check, then you should apply with a payday loan lender. Some online payday loan lenders do not run credit checks and use alternative means to assess borrower’s ability to pay back the loan. You can borrow up to $1,500 from a payday loan lender.

What is the easiest way to get an online loan in Canada?

The easiest way to get an online loan in Canada is to find a reputable lender. When searching for an online loan lender, check lender’s reviews online as well as requirements to get a loan. Some lenders run credit checks and take into account borrower’s credit score to qualify for a loan, while others have alternative means to assess borrowers’ ability to repay the loan. It is usually easier to get a loan from a an online lender that does not run credit checks. No credit check online loans in Canada are usually limited to $1,500 as mostly provided by payday loan companies.

Can I get an online loan in Canada instantly?

Yes, you can get online loan in Canada almost instantly when you apply for a loan with a lender that uses the convenience and speed of e-mail money transfers. There are some lenders that have automated approval process where you can apply 24/7 and get approved within minutes. Check lender’s loan application processing time and apply with a lender that has the fastest.

What do I need to qualify for an online loan in Canada?

The qualification requirements are dependent on the lender you apply with. If you apply for a loan over $1,500, you should have decent credit score and no delinquency on paying your bills. If you need a loan up to $1,500, then you can apply for a loan with a payday lender. Payday lenders usually have very few requirements to qualify for a payday loan. To qualify for a payday loan with a payday loan lender you must be employed, have a chequing account.

How do I apply for online loans in Canada?

To apply for online loans in Canada, you need to find a reputable and legitimate lender first. Once you’ve chosen a lender, find out lender’s loan qualifications. If you meet lender’s qualifications, fill out online loan application on the lender’s website. Follow lender’s directions and submit all the required information. Once approved, sign loan documents. The final step would be for the lender to send you the funds. Some lenders use E-Transfer service that usually takes less than an hour, while others might send you the funds via EFT (Electronic Funds Transfer) that might take up to two business days to show up in your bank account.

Keep a copy of your loan agreement for your records. Look at the payment dated to ensure that you have sufficient funds in your bank account on the withdrawal date. If your loan repayment bounces, you will incur NSF charges from your bank as well as the online loan company that you got the loan from. The NSF charges vary from $25 to $45 per instance, so it is better to avoid those.