If you are looking for a short term loan, Focus Cash Loans is here to help! We have been providing online payday loans in Canada since 2008. Applying for a loan online 24/7, 365 days a year, on weekends (Saturdays & Sundays), has never been that easy. Borrow up to $1,500 in a matter of minutes. Our simple online application form only takes a few minutes to complete, and you can apply from the convenience of your own home or office. There is no need to email or fax any documents as we have completely digitized our application process.
We have a simple 3 step process. 1. Apply online 2. Complete verification process 3. Receive your funds via email money transfer.
We accept all types of income, including employment, CPP pension, private pension, private disability, EI (unemployment insurance), WCB (workers compensation). We have a personalized approach to every single loan application that we receive. Getting a loan online has never been easier!
You might ask: “Why would I need a payday loan?”. Payday loans are here for emergency situations where you have an unexpected bill, and you can’t wait till your next payday. Getting a payday loan is probably the easiest and fastest way to borrow up to $1,500 when you need cash fast and can’t wait for conventional loan approval or have been already denied a loan from your bank. Unlike banks, we don’t look at your credit history and simply evaluate your loan application on your ability to pay back the loan along with your banking history.
Thousands of Canadians use payday loans on a daily basis to cover their emergency expenses. What makes Focus Cash Loans different from the rest is the experience and technological advantage to process your loan application in minutes, hassle-free, and get you the funds you need. Our customer service agents are always here to help if you have any questions. We value our customers; we work hard to provide the excellent service they deserve!
Minimum repayment period 61 days and maximum period 62 days, unless otherwise stated in your loan agreement. Maximum APR is 2737.50%.
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
Late interest fees: Alberta 30%, British Columbia 30%, Ontario 30%. A non sufficient funds fee of $25 will be charged for all returned pre-authorized payments.