We are the leading provider of online payday loans in Vancouver, British Columbia since 2008.

Vancouver, British Columbia residents can rely on Focus Cash Loans when in need of a short term loan. Getting an online payday loan in Vancouver, British Columbia has never been easier. Residents of Vancouver, British Columbia can apply for a loan 24/7 even on the weekends including Saturdays & Sundays. Yes, we are open 24/7 if you are looking to get a loan in Vancouver, British Columbia, simply click on “Apply” button. Filling out our online payday loan application takes only a few minutes.

To pre-qualify for a payday loan in Vancouver, BC, with Focus Cash Loans, you need to answer “YES” to the following questions:

• • Are you are currently employed or receiving CPP, Private Pension, EI, WCB, CTC or Non-Government Disability benefits?
  • Do you have an active chequing account that has been opened for at least 3 months with your income directly deposited into that chequing account?
  • Are you 19 years or older?
  • Is your net income at least $1,200 per month?
  • Do you have a telephone number that we can reach you at?

Are you trying to find “Payday Loans Near Me” in Vancouver, British Columbia using a search engine? Look no further as Focus Cash Loans has got you covered. We have been helping Vancouver residents with their short term loan needs since 2008. Unlike other lenders, we provide same day online e-transfer payday loans in Canada 24/7 with no credit check and instant approval. You will receive your online email money transfer payday loan in a matter of minutes once your application is approved. We don't just look at employment income, we approve Vancouver, British Columbia residents with all types of income, including Child Tax Credit, Private Disability, Employment Insurance, CPP & Private Pension, Workers Compensation. No doubt, people that are unemployed, but receiving EI benefits can apply as well.

Rather than going to a payday loan store in Vancouver, BC, simply fill out our short and simple online payday loans application form. We have copmpletely digitalized our payday loan application process. You can apply for a loan right from your couch without leaving your home under 5 minutes. Getting an online payday loan in Vancouver, British Columbia, has never been easier! With Focus Cash Loans, you don't have to wait hours or even days to have the money deposited in your bank account, you receive your loan via Interac e-Transfer withing minutes of being approved. We are here to help Vancouver, British Columbia residents if they have Bad Credit, No Credit or even past bankruptcies! If you need a short term loan, do not hesitate, simply click “Apply Now” button.

Frequently Asked Questions about Payday Loans in Vancouver

Can I get approved for a payday loan in Vancouver if I have bad credit?

The short answer is “yes”. You can get approved for a payday loan in Vancouver even if you have bad credit. In fact, payday loan companies don’t usually take into consideration your credit score. Payday loan lenders asses your ability to pay back the loan by looking at your bank statement. Your banking account activity will be the deciding factor that payday lender in Vancouver will be looking at to approve or decline your loan request.

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

The easiest way to apply for a payday loan in Vancouver is online. There are quite a few online payday loan lenders in Vancouver that offer completely faxless application process. In many instances applying for a payday loan in Vancouver online is faster and easier than going to a store front location.

How do I apply for a payday loan in Vancouver?

Follow these steps to apply for a payday loan in Vancouver. First of all, you need to find a reputable payday loan company online. Once you found one, check lender’s requirements to make sure you qualify. Check if the lender offers email money transfers and it is the fastest and easiest way to get the funds once you get approved. Fill out online loan application form and follow the lender’s instructions.

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

Payday loan companies in Vancouver do not require any collateral. Unlike car title loans or pawn loans, payday loans are unsecured loans that don’t usually don’t run credit checks and simply require borrowers to have an active chequing account with their payroll deposited into that account. Payday loan is the easiest type of loan to get approved for with no collateral required.

How long does it take to get approved for a payday loan in Vancouver?

Getting approved for a payday loan in Vancouver is easy and fast. Since most payday loan companies don’t run credit checks and require minimum information, the approval process usually takes less than a couple of hours. Please not that only a small fraction of payday loan companies have 24/7 operations, so when you apply during non business hours, the approval process might take a little longer.

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

The maximum payday loan amount that you can borrow in Vancouver is $1,500 or 50% of your net paycheque. That limit was set by federal regulations. Most payday loan companies would lend you up to $500 for the first loan. Once you successfully pay back the first loan, your credit limit will be increased.

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

Once you get approved for a payday loan, you should receive the funds within an hour if you deal with a payday loan lender in Vancouver that utilizes e-mail money transfer service. If you nee the funds ASAP, make sure that you check with the lender if you can receive the funds via email money transfer. If email money transfer service is not available via that particular lender, then you should receive the funds via Electronic Funds Transfer service called EFT. EFT disbursement might take 1 to 2 business days.

How do I pay back my payday loan in Vancouver?

Paying back your payday loan is straight forward. Most payday loan lenders in Vancouver would simply debit your bank account on your payday for the loan principal amount plus the loan fees. When applying for a payday loan, lenders always require a pre-authorized debit form or a void cheque from the account where your paycheque is deposited.