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5 Star Ratings on Google
★★★★★ 5/5
What Our Customers Have To Say
Emma
Emma
★★★★★
Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
James
James
★★★★★
The service was quick and customer service representatives were helpful and friendly.
Sophie
Sophie
★★★★★
Very professional, respectful and quick to answer questions or concerns.
Lily
Lily
★★★★★
Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
Olivia
Olivia
★★★★★
Customer service today was great answered all my questions and was great helping me with my banking issues.
Clara
Clara
★★★★★
First time using this company. Extremely fast service and no hassles. I highly recommend them!
Grace
Grace
★★★★★
Friendly fast and efficient. Great company to deal with and the application is straightforward.
Jack
Jack
★★★★★
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.
Ethan
Ethan
★★★★★
Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
Daniel
Daniel
★★★★★
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
e-Transfers

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 for Payday Loans Online in Canada

Focus Cash Loans is the leading payday loans online lender in Canada that has been helping Canadians to get access to quick cash since 2008. We have developed a very easy and convenient way to apply, get approved and receive funds.

We have eliminated the need to fill out a complex and a long application form to get approved for payday loans online. Focus Cash Loans has developed a step by step application that only takes a few minutes to complete. All you need to do is to click on “apply now” button on our website and answer a set of straight forward questions. The questions are designed to get basic information that we need to get your online loan approved. We do not ask you to email of fax any documents as the other companies do. Our payday loans are completely done online. All you have to do is to electronically verify your bank account at the end of our application form.
There is no need for us to know what the money will be used for. You loan is private & confidential. We do not disclose the fact that you are borrowing the money to anyone.

Can I get approved for payday loans online if I have bad credit?

Even if you have bad credit or no credit you can get approved for bad credit payday loans online. Online payday loans are designed to help people with bad credit who are in a cash crunch and need access to cash fast. Online payday loan companies do not have credit requirements to get a loan which means that if you had credit difficulties in the past and/or have gone through a bankruptcy, you can still qualify for a loan.

What is the easiest way to get payday loans online?

The easiest way to get payday loans online is to apply for the loan online. It is the fastest and easiest way to apply & get approved for payday loans. These loans are designed for emergency situations. Understandably, that access to cash should be easy and hassle free at times when people need it the most. That is why payday loans online applications process doesn’t have the bureaucracy that large financial institutions have. A personalized approach to every loan application is usually taken by online payday loan companies.

How do I apply for payday loans online?

To apply for payday loans online, all you need to do is to complete online application form. The online application form was designed to be very easy to complete with step by step instructions. Once you complete the loan application, you will be prompted for electronically verify your bank account. Once the verification is complete, you will be contacted to finalize your loan.

Do payday loans online lenders require any kind of collateral?

No, payday loans online lenders do not require any collateral. These loans were designed to help borrowers that might have no assets, past bankruptcies and less than perfect credit rating. Online payday loan lenders understand that not everyone has a collateral that can be used as a security to get a loan.

How long does it take to get approved for a payday loans online?

Getting approved for payday loans online doesn’t usually take that long. Payday loan lenders understand the urgency of these online payday loan requests and usually process applications the same business day they the application is received. Funding doesn’t take that long as well. Some lenders use the convenience and speed of e-mail money transfers, so it might take as little as 30 minutes to receive the funds.

What is the maximum payday loan amount I can online?

The maximum payday loan amount is set by provincial regulators that regulate payday loan companies. The maximum loan amount is set to $1,500 as of right now. There are some limits for new customers as well. The first time you apply for payday loans online, the limit is usually set to $500. Once your first loan is paid, your credit limit can be increased up to 50% of your net pay or up to $1,500 whichever is less.

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

Once your payday loan is approved, it usually takes less than 60 minutes to receive the funds. With the ease and speed of e-mail money transfers it has become easier to receive the funds.

How do I pay back my payday loan online?

Paying you payday loan online is usually hassle free. Payday loan lender will debit your chequing account on your loan due date. There are no extra steps you need to make other than making sure that you have sufficient funds in your bank account to cover the loan payment.

Payday Loans Online: Answering Your Burning Questions on Quick Cash in Canada

Payday loans online are short-term, unsecured loans designed to help individuals bridge the gap between paydays. In Canada, these loans offer almost guaranteed approval with 24/7 availability. Once approved, funds are transferred via e-transfer, often within 30 minutes, providing instant relief for those urgent financial needs.
Payday loans online in Canada are tailored for those who need quick cash, especially when emergencies arise. They're accessible 24/7, ensuring you're not left stranded over the weekend. With no credit check and a simple application process, they are particularly appealing to those with bad credit. Plus, there's almost no refusal, making them a reliable option for many.
It's a breeze! The application process is designed to be straightforward and hassle-free. With step-by-step guidance, you'll complete the online form, verify your bank account electronically, and voila! No faxing, no bulky documents, just a smooth sail to instant funding.
Almost anyone! While there are basic requirements, like having a steady income (which can come from various sources, including employment, pensions, or benefits), most Canadians are eligible. Whether you have bad credit, no credit, or are just in a pinch, these loans are designed to be inclusive.
For first-timers, there's typically a limit of $500. However, once you've successfully repaid your initial loan, you could borrow up to $1,500. Remember, the exact amount may vary based on your income and the lending criteria.
The beauty of payday loans is that they align with your pay cycle. Typically, the loan is due on your next payday. But always check the terms when applying. The lender will automatically debit your account for the amount due, so ensure you have sufficient funds to avoid any hiccups.
There are several reputable online payday loan companies in Canada. When choosing, look for those with years of experience, transparent fees, and positive customer feedback. Always ensure they're licensed and adhere to provincial regulations.
Life can be unpredictable. If you foresee challenges in meeting the repayment deadline, it's essential to communicate with your lender immediately. They might offer solutions or flexible arrangements. Remember, transparency is key!
Reputable online payday loan providers in Canada prioritize your security. They use advanced encryption technology to protect your personal and financial information. Always ensure you're on a secure website (look for “https” in the URL) when applying.
Absolutely! Every lender has its criteria, and just because one lender refuses doesn't mean all will. With almost no refusal rates, online payday loans in Canada are designed to be accommodating, especially for those with bad credit or unique financial situations.

Get the Cash You Need With Our Instant Online Payday Loan

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[Alberta Residents: Maximum charges permitted in Alberta for a payday loan: $14.00 per $100.00 lent. We charge: $14.00 per $100.00 lent. For a $300.00 loan for 14 days: Total cost of borrowing = $42.00. Annual Percentage Rate = 391.07%. This information meets the requirements of the Consumer Protection Act. Payday loans are a form of high-cost credit. Payday Loans Business Licence number: 327008] [British Columbia Residents: Maximum charges permitted in BC for a payday loan: 14% of the principal. We charge: 14% of the principal. For a $300.00 loan for 14 days: Total cost of borrowing = $42.00. Total to be repaid = $342.00. Annual Percentage Rate = 391.07% This information meets the requirements of the Business Practices and Consumer Protection Act. Licence Number 50034] [Ontario Residents: Maximum Allowable Cost per $100.00 Borrowed: $14.00. Our Cost per $100.00 Borrowed: $14.00. Example: Your $500 loan for 14 days Your $500.00 loan for 14 days. Amount Advanced: $500.00 Total Cost of Borrowing: $70.00 APR: 391.07% Total You Repay: $570.00 This poster is required under the Payday Loans Act, 2008 Licence Number 4716299]

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