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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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Very quick online application and very friendly customer service.

3 Easy 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!

At Focus Financial, 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

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

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.

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.

Installment Loans in Canada

A Canadian installment loan is an easy and fast way to get financing. Online installment loans in Canada are a great choice if you need to pay unexpected bills, fix your car, invest in your business or go on vacation.

It is easy to apply for an online installment loan in Canada. It's quick and easy to get approved for an online installment loan in Canada. You can often get the cash you need within a few days of completing an online application. The money will be deposited directly to your bank account.

What is an Installment Loan?

Installment loans, a type of online loan, are given to the borrower as a lump sum at beginning of transaction. Then the loan is paid back at biweekly or monthly intervals. The typical installment loan is between $500 and $10,000, but they can be extended up to $25,000 or higher.

An installment loan's terms can be short-term or medium-term, but most are within the 6-month to 5-year range. Installment loans can be unsecured, which means that they don't require collateral from the borrower.

How do Installment Loans work?

An installment loan is a borrowing of a specified amount of money, typically between $2,000 to $10,000. The loan must be repaid over a fixed period of time (e.g., a few months, or years), and with a set frequency (e.g., weekly or monthly).

What is an Installment Loan?

You can use installment loans for many purposes. These include home or automotive repairs, renovations and catching up on past due bills, medical or emergency expenses. Consolidating debt, traveling, or purchasing a house.

How to apply for an installment loan?

Most lenders will ask you for the same basic requirements when you apply for an online loan. These include proof of income, employment, proof of residency, and proof of proof of age. To ensure that you aren't in collections, unpaid bankruptcy, or a consumer proposal, most lenders will run a credit check.


Unsecured loans are more common than secured ones. This means that the lender can't recover losses through the sale of the borrower’s personal assets if they fail to repay the loan. This is a good feature for the borrower but it also means that the lender cannot recover losses via a sale of the borrower's personal assets. To compensate the lenders for the greater risk, borrowers will have to pay a higher interest rate. There are other options:

Secured loans: Personal loans are usually extended to borrowers who have stable credit scores. Secured loans allow the borrower to provide collateral to the lender and make these loans less risky for the lender. This means that you will receive higher approval rates and/or lower interest rates.

Home Equity/Mortgage: This type of secured loan allows borrowers to borrow against their home's value.

Credit unions: Although credit union loans are generally offered on an unsecured basis, they often offer higher rates than banks. You can reduce the rate by having a chequing account with the union.

What is an installment loan?

An installment loan is any type of loan that requires you to repay a lump sum over a specified term. All types of installment loan providers include direct lenders. These are examples of installment loans:

  • Personal term loans
  • Car loans
  • Mortgages that are typical


What's the difference between an installment loan and a payday loan?

Payday loans differ from other types loans. The major difference between them is their repayment process.

Payday loans are short-term, fast loans that can be repaid on the borrower’s next payday. Installment loans offer more flexibility and require timely repayments over a longer period. Installment loans can have monthly payments over a period that can last years. Payday loans are typically between 2 and 4 week terms and rarely exceed one month in Canada.

What if I have bad credit and want to get an installment loan?

There are many installment loans available for Canadian borrowers with bad credit. Online lenders can provide long-term installment loans for bad credit. There are many options for installment loans.

You will not have many options when it comes to installment loans for bad credit. In addition, you will be required to pay higher interest rates than good credit borrowers.

Can I get an installment loan from Canada without a credit check?

It is possible to obtain no credit check installment loans. A person who is unfamiliar with the country might not have a good credit record, but that doesn't necessarily mean they can't get an installment loan. Canada has many installment loans that don't require credit checks. The terms can vary greatly. To get the best rate, you should compare lenders.

What interest rates can I expect for an installment loan?

As with any type of loan, installment loans can offer a wide range of interest rates. Rates will vary depending on your credit score, the lender you choose, and how much you borrow.

Although it is more difficult to obtain installment loans from banks, they can offer lower interest rates to qualified borrowers. The interest rates on bank installment loans range between 5% and 9%.

Canadian alternative lenders can offer you a greater range of interest rates if you require a quicker approval or are less judgmental. The average interest rate for an installment loan in Canada is between 6% and 13%, depending on whether you have a good credit score. The interest rates for installment loans with bad credit are the highest. You can easily get an APR of more than 40% if you are not careful. Regardless of your credit score, there are many options available.