Borrow Up To $1,500

Get funds in minutes*!

5-minute application
with no credit check

Excellent

Really easy to use and quick fast with no hassle

Very good customer service. Always friendly and helpful.

You guys are always there for me when no one else is thank you!!

Quick and reliable!👍👍👍

Always incredible helpful and reliable when needed. Staff are friendly and effective.

Focus cash loan is very easy to deal with. They're very quick with response. I cannot say enough good about them.

Great, fast,service. Always polite if I need to call but every thing can be done online ( which I like)

Fast and efficient customer service, I am a satisfied valued client. Thanks a lot

Great service provided by great people. Always.

Excellent service ... the only drawback is the loan limit, I wish more is provided for good citizens.

They are very professional and helpful and provide excellent customer service.

You have always been so easy to deal with. Highly recommended.

Fast approval...good customer service...keep up the good work Mike. Keep safe everyone.

Quick, efficient and friendly. These people get 5 stars and a big THANK YOU for the help!!

Was a very quick and easy process and the customer service was great

I’ve been with Focus for years and I’ve had a great experience with the staff and the service is fast

Focus Financial is very is to deal with and quick i would recommend to anyone who needs a loan

Been with Focus Financial for many years. I have always had excellent service.

Focus Financial makes it so easy to receive as well as repay loans.

Reliable and there when you need them. I've been using this service for over a year now and they are great!!

Get Up To $1,500

Download Our Mobile App Now!

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 Faxing & Emailing Documents

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

E-Transfer Payday Loans

If you are looking for an E-Transfer Payday Loan in Canada, you have come to the right place. Focus Financial has been the trusted provider of E-Transfer Payday Loans in Canada since 2008. There are a lot of lenders out there that promise instant payday loans that are deposited into your bank account, but they don't offer E-Transfers. The main difference between an E-Transfer and an EFT (electronic funds transfer) deposit is that the EFT deposit usually takes at least 24 hours to process, so if you deal with a lender that does not use the E-Transfers, you most likely receive your funds the next business day you get approved for a loan.

The other main difference between Focus Financial’ E-Transfer Payday Loans is that we offer completely faxless loan application approval process. Forget printing, scanning and emailing documents – we do not require that to get your loan approved. Since we have been in payday loan business since 2008, we have the technological process to receive and process your loan application in the most efficient and timely manner.

At Focus Financial we understand the reason why you apply for a payday loan – you need the money ASAP. That is why we have utilized the technology of E-Transfers. We offer easy 24/7 online application process that only takes minutes to complete. All you need to do is to answer a few simple questions. We do not ask you to fill out an application form that is 10 pages long like some banks do. We do not require any collateral or guarantors. As long as you receive qualified income, has a good bank account history and have a phone number and an address where we can reach you at, you are pre-approved for a loan with Focus Financial.

Our customer service agents are on stand by to help you with the application process and getting you the E-Transfer Payday Loan the same day (if you apply during our business hours) you apply with us. We have a personalized approach to every loan application that we receive and don’t look at your credit score as we understand that credit difficulties might happen once in a while. We simply asses your application on your ability to pay back the loan on your payday. This is the difference between us and a big bank that purely evaluates your credit application based on your past trades and your credit score.

What are the most important things to keep in mind when applying for the E-Transfer Payday Loan?
Make sure that you have registered for online banking with your bank, so you can deposit the E-Transfer once you receive it. If you have any problems registering for online banking with your bank, please give them a call. Also, make sure that you provide the most accurate information in your application form. That will increase the chances of you getting approved.

How do I apply for the E-Transfer Payday Loan?

To apply for the E-Transfer Payday Loan, you simply need to fill out our online loan application form. Once you complete the application form, you will be prompted to verify your bank account. Once the verification has been completed, you will get a conformation message. Now simply wait for your loan application to be processed by our customer service agents.

How long does it take to receive the E-Transfer Payday Loan?

It takes approximately 30 minutes to receive the E-Transfer Payday Loan once your loan application has been approved. To expedite the approval process, please ensure that you provide us with the most accurate and up to date information in your application form.

What is the maximum E-Transfer Payday Loan amount I can get?
First time customers can apply and get approved for up to $500 for their first time E-Transfer Payday Loan. Repeat customers can borrow up to $1,500. $1,500 is the maximum E-Transfer Payday Loan amount that has been set up by provincial regulators.

What are the requirements to qualify for E-Transfer Payday Loan?

To qualify for E-Transfer Payday Loan in Canada, you must receive income from the following sources: employment, CPP, EI, Private Pension, Private Disability or Worker's Compensation. Your monthly income should be a minimum of $1,200 per month. You must have a chequing account where your income is deposited, a phone number that we can reach you at and a permanent place of residence.

[Alberta Residents: Maximum charges permitted in Alberta for a payday loan: $15.00 per $100.00 lent. We charge: $15.00 per $100.00 lent. For a $300.00 loan for 14 days: Total cost of borrowing = $45.00. Annual Percentage Rate = 391.07%. This information meets the requirements of the Consumer Protection Act. Payday loans are a form of high-cost credit. Payday Loans Business Licence number: 327008] [British Columbia Residents: Maximum charges permitted in BC for a payday loan: 15% of the principal. We charge: 15% of the principal. For a $300.00 loan for 14 days: Total cost of borrowing = $45.00. Total to be repaid = $351.00. Annual Percentage Rate = 391.07% This information meets the requirements of the Business Practices and Consumer Protection Act. Licence Number 50034] [Ontario Residents: Maximum Allowable Cost per $100.00 Borrowed: $15.00. Our Cost per $100.00 Borrowed: $15.00. Example: Your $500 loan for 14 days Your $300.00 loan for 14 days. Amount Advanced: $500.00 Total Cost of Borrowing: $75.00 (391.07% APR) Total To Repay: $575.00 This poster is required under the Payday Loans Act, 2008 Licence Number 4716299]

* Once your loan application is approved during our business hours.