Borrow Up To $1,500

Get funds in minutes*!

5-minute application
with no credit check

Excellent

Rob
Rob
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Really easy to use and quick fast with no hassle
Karie
Karie
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Very good customer service. Always friendly and helpful.
Carrie Vedan
Carrie Vedan
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You guys are always there for me when no one else is thank you!!
Ms. Emily A. Angulalik
Ms. Emily A. Angulalik
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Quick and reliable!👍👍👍
Customer
Customer
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Always incredible helpful and reliable when needed. Staff are friendly and effective.
Sharon C
Sharon C
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Focus cash loan is very easy to deal with. They're very quick with response. I cannot say enough good about them.
 Happy customer
Happy customer
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Great, fast,service. Always polite if I need to call but every thing can be done online ( which I like)
Customer
Customer
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Fast and efficient customer service, I am a satisfied valued client. Thanks a lot
 D. Ackles
D. Ackles
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Great service provided by great people. Always.
Customer
Customer
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Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.
Neil
Neil
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They are very professional and helpful and provide excellent customer service.
Nancy
Nancy
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You have always been so easy to deal with. Highly recommended.
Milagros
Milagros
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Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.
Keith
Keith
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Quick, efficient and friendly. These people get 5 stars and a big THANK YOU for the help!!
Josh
Josh
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Was a very quick and easy process and the customer service was great
Michelle
Michelle
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I’ve been with Focus for years and I’ve had a great experience with the staff and the service is fast
Rob
Rob
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Focus Financial is very is to deal with and quick i would recommend to anyone who needs a loan
Gail
Gail
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Been with Focus Financial for many years. I have always had excellent service.
Sharon C
Sharon C
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Focus Financial makes it so easy to receive as well as repay loans.
Customer
Customer
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Reliable and there when you need them. I've been using this service for over a year now and they are great!!
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Trusted Lender

Secure Application

Fast Approvals

3 Simple Steps

1. Apply Online

Getting a loan online has never been easier, easy step by step online application.

2. Get Approved

Basic income requirements that are easy to meet. It only takes minutes before you get approved *.

3. Get Your Money

Receive money E-mail Transfer transfer withing minutes of being approved.

Getting a loan is easy! All types of income are accepted!

Employment Income

Private Disability Insurance

Child Tax Credit Benefits

CPP & Private Pension

Unemployment Insurance

Workers Compensation

Why Get a Loan from Focus Financial?

Trusted Lender Since 2008

Canadians have been relying on Focus Financial with their short term loan needs since 2008.

Apply Online Anytime 24/7

Fill out our easy online loan application form 27/7, on weekends including Saturdays & Sundays!

All Types of Income Accepted

You can qualify if you are employed or receiving the following government benefits EI, child tax, private disability, workers comp & pension.

No Credit Check Loans

Absolutely no credit checks through TransUnion or Equifax! Unlike other lenders, we do not run credit checks!

Instant Interac e-Transfers

Get your loan in within minutes with Interac e-Transfer®. We strive to get you the funds as soon as possible.

No Hidden Fees Or Charges

We offer completely digital application process. Unlike some other lenders, we don’t ask to fax or email any documents.

Need a short-term loan? We can help! Focus Financial has been providing online payday loans in Canada since 2008.

Focus Financial is a leading provider of online payday loans in Canada. Every single day we are helping Canadians to fulfill their financial needs with our fast & easy online payday loans. In just minutes, you can get the quick cash you need to pay a nearly overdue bill or to get your family or friend through an emergency situation that requires immediate financial access. The convenience we offer with our online payday loan application is phenomenal due to the faxless payday loan options we offer, the competitive cash advance rates we have and the excellent and friendly service we provide. At Focus Financial, we have the systems, the ambience and the professionalism of a traditional bank. Our secure online payday loan application process allows you to apply from anywhere in Canada. Create your account today by applying for a payday loan and get the payday advance you need within minutes of being approved!

How can I apply?

You can easily apply for an online payday loan with us from anywhere in Canada by clicking on the “Apply Now” link and entering all your general information. The best part about our application process is that it is done completely online. All you need to do is to answer a few simple questions about yourself. There is no documents to fax or email. We have completely digitized our application process. We do not run credit checks and have a personalized approach to every loan application that we receive. Whether you have bad credit, no credit or gone bankrupt previously, don’t worry, as we will still consider you for a payday loan! All you need to show us is good banking history and an ability to pay back the loan with proof of income. Once your loan application is approved, you will receive the loan via interact email money transfer. It is that easy!

What are the qualifications?

We are not very strict when it comes to qualifications. There are some main requirements in order to receive payday loans from us, which are: you must be at least the legal age of majority in your province or territory, you must be a Canadian citizen or resident, you must be employed or receiving EI, child tax, private disability, workers comp & pension, your monthly income must be at least $1,200, you must have your income directly deposited into your bank account. Most Canadians fit these qualifications, and if not, we make exceptions at times, so go ahead and apply right now!

What documentation is needed?

At Focus Financial, we have completely digitized our application process. Yes, you do not need to fax or email any documents. Simply fill our online application form and electronically submit your bank statement. It can’t get easier than that!

Why would I ever need a payday loan?

Payday loans are there for you when you have more month than money. In other words, our clients like to have payday loans available to them when they run out of money, and they need a cash advance to bridge the financial gap until their next payday. Payday loans are extremely convenient when in need of quick, immediate cash for emergency situations or to make a bill payment to avoid nasty fees, sky-rocketing credit card late payment fees or tarnished credit. When you don’t need to step out of your house to get a payday loan, why wouldn’t you want that extra cash most people need?

Why would I apply with Focus Financial?

Focus Financial Inc. makes your online application experience a breeze. You can literally apply online for our payday loans from anywhere in Canada, 24 hours a day and 7 days a week. Not only that, but you can apply within 5 minutes! Upon receipt of your application, we can process your application in as little as 10 minutes, and you can receive your payday advance in as little as 20 minutes from being approved. We offer faxless payday loan options, competitive rates in the Canadian payday loan industry, a worry-free direct debit option and excellent and friendly customer service that is next to none. On top of all that, our staff at Focus Financial Inc. care about your wellbeing. We are ready to serve you anytime you need a payday loan. Apply with us today for your payday loan needs, and you will be delighted with your choice!