Borrow Up To $1,500
Get Approved for Payday Loans Online in Canada
5-minute application and
no credit check
Trusted Lender Since 2008
Apply Online Anytime 24/7
All Types of Income Accepted
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
No Hidden Fees Or Charges
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.