What is a payday loan?

A payday loan is a small, short term loan. They can be used to help out when you are having a financial emergency and need some speedy help. A cash advance can also come in handy if you’re a few dollars short, and payday is still a week away. Most companies lend around $300 for first time borrowers, and charge somewhere in the region of 20%. Focus Financial is the leading provider of payday loans online. They offer a fast and reliable service, and have been serving Canadians for nearly a decade.

How do I apply?

To apply for a payday loan with Focus Financial, simply fill out our online application form. It only takes a few minutes and you will receive a response instantly by email. Once you fill out the application, you simply need to use the screenshot programme to send in your banking information.

What documents will I need?

Sending in your documents through Focus Financial has never been easier. All you have to do is use their screenshot utility to send in the last 60 days of your bank statement. This means no faxing, or having to physically send in any documents whatsoever. You simply use the programme to take screen captures of your online banking, which are then sent automatically to Focus, who will receive them within seconds.

How long will it take?

The entire process is completed within the hour. A customer service agent will personally process your application, and notify you of your approval. If you have questions at any stage you can contact them by phone or email.

How do I get my money?

Funds are sent by one of two ways. The first, and most popular option, is email money transfer. You would receive the transfer within half an hour. The other option is to have the funds directly deposited into your account, which takes an extra business day. Repayment of the loan is made on your next payday, and will be directly debited from your account.