Need quick cash in Vancouver? Focus Cash Loans offers payday loans from $100 to $1,500 through our secure online platform. As a licensed direct lender since 2008, we provide fast e-Transfer funding without credit checks, helping Vancouverites handle unexpected expenses between paycheques.
Quick Preparation Tips
- Set up Autodeposit with your bank for instant e-Transfer receipt
- Have your online banking login ready for secure verification
- Know your next payday date for repayment scheduling
- Keep your email accessible for loan updates and notifications
Whether you're commuting on the SkyTrain when an expense hits, working variable shifts in Vancouver's film industry, or managing irregular income from hospitality work downtown, having these items ready speeds up your application.
How It Works
Step 1: Apply online in minutes. Our application is available 24/7 from any device. Complete the secure form with your basic information and income details.
Step 2: Secure income verification (no credit checks). We verify your income through instant banking connections. Your credit score doesn't affect approval – we focus on your ability to repay.
Step 3: Receive e-Transfer. Once approved, your funds arrive via e-Transfer payday loans typically under an hour during business hours. No waiting for cheques or bank transfers.
Loan Amounts & Eligibility
In British Columbia, you must be 19 or older with a minimum monthly income of $1,200. The maximum loan amount is $1,500 or 50% of your net pay, whichever is less. This provincial regulation ensures borrowing stays manageable.
We accept various income sources including employment, Employment Insurance (EI), Canada Pension Plan (CPP), Workers' Compensation (WCB), and government benefits. Whether you qualify with CPP income loans or traditional employment, we evaluate each application individually.
Here are typical repayment examples based on BC's regulated fee of $14 per $100 borrowed:
- Borrow $300, repay $342 on your next payday
- Borrow $500, repay $570 on your next payday
- Borrow $1,000, repay $1,140 on your next payday
Why Choose Focus Cash Loans
Licensed direct lender: We're fully licensed in British Columbia and lend our own funds directly. You deal with us from application through repayment, never third-party brokers.
Transparent fees: Our $14 per $100 fee is clearly stated upfront with no hidden charges. You'll know exactly what you'll repay before accepting your loan.
Income-based approvals: We don't run credit checks or require perfect credit scores. Your current income and ability to repay matter most for approval.
Fast e-Transfer funding: Approved funds arrive quickly through Canada's e-Transfer system. Set up Autodeposit to receive money instantly without answering security questions.
Canadian support team: Our customer service team operates from Canada during extended business hours. Reach us by phone or through your secure customer portal for any questions.
Fees & Repayment Rules
British Columbia regulates payday loan fees at $14 per $100 borrowed. This means a $400 loan costs $56 in fees, for a total repayment of $456. These regulated rates protect borrowers while ensuring transparent pricing.
Repayment happens automatically through bank account debit on your scheduled payday. If your payment returns NSF (non-sufficient funds), we charge a minimum $20 fee as outlined in our NSF policy. We'll contact you immediately to arrange alternative repayment via e-Transfer.
After You Apply
Applications submitted during business hours (Monday-Friday 10am-6pm PST, Saturday 10am-5pm PST) typically process within an hour. Evening and weekend applications process the next business day, though approvals can happen anytime.
Once approved, your e-Transfer usually arrives within 60 minutes if you have Autodeposit enabled. Without Autodeposit, you'll need to answer the security question and deposit manually. We send email and SMS updates throughout the process, and you can track everything through your personal customer portal.
Responsible Borrowing
Payday loans work best as short-term solutions for unexpected expenses between paycheques. Before borrowing, consider whether the expense is truly urgent and if the amount fits comfortably within your next paycheque. Taking only what you need makes repayment easier and reduces your total fees.
We understand that financial challenges happen to everyone. Life throws curveballs – car repairs, medical expenses, or reduced work hours can strain any budget. That's why we're here to provide quick access to funds when you need them most, with clear terms and no judgment about your situation.
If you're concerned about repayment or your financial situation changes after taking a loan, contact us immediately. The sooner you reach out, the more we can do to keep repayment stress-free. Our team works with customers facing difficulties because we understand that communication is key to finding solutions.
Service Area
We serve all of Vancouver, from grabbing coffee on Commercial Drive to heading home to Kerrisdale after work. Our online platform means you can apply from anywhere – whether you're in Burnaby visiting friends or commuting from Richmond for work.
As British Columbia's largest city, Vancouver residents face unique financial pressures from high living costs and variable income common in creative industries. We understand these challenges and provide fast funding solutions across the entire metro area. Check our complete payday loans across BC service locations.
Apply Today
Ready to handle that unexpected expense? Our online application takes just minutes, and you could have funds in your account today. We're here to provide the financial bridge you need with transparent terms and respectful service.
