Borrow Up To $1,500

Find more about Instant Online Payday Loans in Canada with No Credit Check

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 Canada Payday 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 Instant Online Payday Loans in Canada with No Credit Check.

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get Payday 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 Payday Loans in Canada?

Payday loans in Canada have emerged in late 90s. There was a need for short term loans from consumers that were not served by big banks. Unfortunately, the bad economy and recession has left many Canadians without adequate financial resources, and the payday loan industry has become the only way to solve this problem.


In the early 2000s, Canada's payday loan industry was unregulated. A major pushback against payday lenders occurred in early 2004 when the Canadian Payday Loan Association (CPLA) was formed. The group is now the Canadian Consumer Finance Association. The purpose of the association is to represent responsible payday lenders. At the time, payday lending was completely unregulated. With the help of the Canadian Payday Loan Association, industry standards were developed to protect consumers and ensure the industry remains viable. The organization is also responsible for lobbying government and regulators.


In 2016, Canada's federal government introduced new rules that limit payday lenders to double-digit interest rates. For example, in Alberta, British Columbia & Alberta, the maximum interest rate is now 15%.


Applying for a payday loan in Canada back in late 90s was way more complicated, than it is today. There were no lenders at that time that offered online payday loans. To get a payday loan, you had to go to a store front location, bring your bank statement, a cheque, 2 pieces of ID and a piece of mail that was mailed to your place of residence for address verification purposes.


Nowadays applying for a payday loan online in Canada is very easy and fast. Most lenders have implemented online application process. Some lenders require no faxing or emailing any documents and the whole process is done online. The introduction of email money transfers made it very easy and fast to receive funds.


Can I get approved for a payday loans in Canada if I have bad credit?


Yes, you can still get approved for a payday loan in Canada even if you have bad credit. Unlike big banks, payday loan companies do not look at applicant’s credit when approving for a loan. Your ability to pay back the loan is usually assessed. Lenders check your bank statement for at least 90 days to make sure that you get paid and have funds available when you get paid.

What is the easiest way to get a payday loan in Canada?


The easiest way to get a payday loan in Canada is to apply for a loan online. There are some lenders that offer online payday loans in Canada where you don’t have to email/fax any documents and the whole process can be done online. Apply with one of the lenders that offer completely digital online experience and disburse funds via email money transfer.


How do I apply for a payday loan in Canada?


There are two ways to apply for payday loans in Canada. You can either visit a storefront location or apply online from the convenience of your own home. In both cases, you will have to fill out an application form and provide supporting documentation. It might be faster & easier to apply online with a lender that does not require emailing or faxing any documents. Many online lenders can digitally verify your bank account without the need of faxing or emailing any documents.

Do payday loan lenders in Canada require any kind of collateral to get a loan?


No, payday loans lenders in Canada do not require any collateral other than access to your bank account for the purpose of withdrawing your loan payment on the loan due date. Payday loans in Canada were designed as an alternative to pawnshops where collateral was required to get cash.


How long does it take to get approved for payday loans in Canada?


Getting approved for payday loans in Canada does not take that much time nowadays. The fastest way to apply for payday loans is online. Some Canadian online payday loans lenders have easy online application forms and require no faxing of documents. The whole process is done online via digital verification process.


What is the maximum payday loan amount I can borrow in Canada?


Payday loans in Canada are regulated on a provincial level. The maximum loan amount is $1,500 or 50% of your net pay, whichever is less. If you are applying for a payday loan for your first time, you are most likely to be approved for $500 for your first loan. The reason why payday loan lenders in Canada limit their first loan amount is to minimize risks associated with short term lending to consumers without established credit history.


How fast can I get my payday loan in Canada once I am approved?


Getting funds once you got approved for a payday loan in Canada has become very easy. Most established payday loan lenders use email money transfer services to send funds to customers. Unlike in old times, you no longer need to wait days to receive funds via EFT transfer to your bank account. Nowadays getting a payday loan online in Canada has become way more convenient than walk in into a payday loan store near you.


How do I pay back my payday loan in Canada?


If you are getting a payday loan in Canada, you are no longer need to worry about going back to a payday loan store to pay back your loan. Online payday loan lenders in Canada will simply debit your chequing account on your loan due date for the agreed amount.