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Exploring Privacy Policy

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What Our Customers Have To Say

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Quick, and easy. Helpful staff great customer service I highly recommend over others 👍
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The service was quick and customer service representatives were helpful and friendly.
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Very professional, respectful and quick to answer questions or concerns.
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Friendly and easy to use. The lady who helped me with all my questions was very helpful. The process went smooth and quick.
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Customer service today was great answered all my questions and was great helping me with my banking issues.
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First time using this company. Extremely fast service and no hassles. I highly recommend them!
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Friendly fast and efficient. Great company to deal with and the application is straightforward.
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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.
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Fast, convenient and easy to get a hold of customer team! Best place for when you need them.
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Very quick online application and very friendly customer service.

3 Easy Steps

Woman applying for a loan using her phone with Focus Cash Loans

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.

Woman applying for a loan on smartphone with Focus Cash Loans

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?

Happy customers shaking hands after securing a loan 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.

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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

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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Focus Financial Inc. DBA Focus Cash Loans respects your right to privacy and will carefully handle all your personally identifiable information (“Personal Information”) that it collects or obtains in accordance with this privacy policy. Focus Cash Loans may amend this policy from time to time. “You” or “your” refers to you as a customer of Focus Cash Loans or a user of (the “Website”). “We” or “our” or “us” refers to Focus Cash Loans.

Collection and Use

As part of the application and approval process, Focus Cash Loans may collect the following types of Personal Information: (i) information we receive from you as part of the application process by telephone or through the Website from registration forms, application forms, transaction documents, surveys, or other documents or submissions related to the services we provide, including: your name, address, telephone number, social insurance number (“SIN”), email address, employment information, demographic information, bank account information, and information about your assets, debts and income; information about your transactions with us, our affiliates, or others, such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us; (ii) information we receive from third parties such as consumer reporting agencies and other lenders regarding your credit worthiness and credit history, and information to verify your identity such as your telephone number; (iii) information we obtain to verify representations made by you, such as your employment history or income; (iv) information obtained from specialized marketing information firms, such as household demographics; (v) information that we receive about you from other online entities who have initially obtained your information but have transferred it to us so that we can provide our services to you; (vi) information obtained from web page http headers (home server domain names, IP address, type of client computer, and type of Web browser); (vii) information, user specific or aggregate, that we receive from our web pages recording visitor access; (viii) information that you provide when you contact our customer service department; (ix) information that you provide when you communicate with us via email or online chat; and (x) information about your computer and network settings. We collect this personal information so that we can evaluate your application for a payday loan, protect against fraud, and provide an online environment that is safe and secure.

We request your SIN for identification, security and credit matching purposes. Your SIN is a reliable way to confirm your identity and ensure proper matching of credit information with credit reporting agencies. You should be aware, however, that permitting us to use your SIN in this way is voluntary. If you choose not to provide us with your SIN, this by itself will not prevent you from applying for a payday loan.

We use Personal Information to: provide you with the services you request; comply with all reporting and other legal requirements; enhance your experience at our Website; collect and process payments and update account records; analyze customer demographics, payment histories, and preferences; conduct statistical analyses and confirm your identity.

Although Focus Cash Loans does its best to protect Personal Information on the Website, for other websites linked to the Website which are not managed by Focus Cash Loans, we are unable to manage your Personal Information, and Focus Cash Loans is not responsible for information that is provided to these other websites.

Sharing Information

We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.
We do share with affiliated third parties such as, but not limited to, banks, credit reporting agencies, financial service providers, collection agencies and finance companies.
We may also use your information to service our relationship with you, to prevent fraud, for the purposes of debt collection, to conduct our business, including better customer service and to market other products from the site, as well as, affiliated third parties. It may also be used for statistical analysis.


We do not knowingly target our services or collect information on persons under 19 years of age.

Updating your information

You may update your information at any time by emailing us or updating your personal account page.

Changes of ownership

In the event that this website or other parts of the company’s assets are sold, customer information is considered part of the assets of the company, and as such, may be transferred to the new owners. In this event, you would be notified by e-mail or by notice on this website.


In a manner similar to virtually all commercial or business websites we use “Cookies” to store information. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.

We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.

We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.

Third Party Cookies

The use of cookies by our tracking utility company is not covered by our privacy statement. We do not have access or control over these cookies. Our tracking utility company uses session ID cookies to make it easier for you to navigate our site.

Opting Out/Unsubscribe

If you wish to opt-out of our service by having your information removed from our database and to stop receiving e-mails from us, please email us with subject “Unsubscribe” to

Security and fraud

Site uses a variety of security technologies to protect your personal information. When information is transmitted over the internet we protect through use of encryption, such as the SSL (Secure Socket Layer) protocol. No method of transmission, over the internet, or mode of storage, is 100% secure. As a result, we cannot guarantee its 100% security. If false or inaccurate information is provided, the information will be passed on to appropriate law enforcement agencies.

Policy Changes

From time to time the privacy policy is changed due to advancing technology, new laws, etc. You should always read the privacy policy of any site you visit, even if you have gone there before, just to make sure nothing has changed. We would not use your information in a manner that is not in accordance with this privacy policy.

If the manner in which your information is used is materially changed, every attempt would be made to reach you by e-mail. A notice would also appear on the site.