- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Next business day
- Apply
- Online and in-store
Licence verified AB, BC, MB, NB, NL, NS, ON, SK
Focus Cash Loans payday loans: costs, licences and review
Last reviewed November 10, 2026 by the Koke editorial team.
Focus Cash Loans, run by Vancouver-based Focus Financial Inc., lends $100 to $1,500 online in Alberta, British Columbia and Ontario at up to $14 per $100. It accepts CPP, EI, workers' compensation and some other non-employment income, and states e-Transfer funding about 30 minutes after approval during business hours.
Last reviewed November 10, 2026
Focus Cash Loans at a glance
- Provinces served
- Alberta, British Columbia, Ontario
- Apply
- Online
- Borrow
- $100 to $1,500
- Repay within
- 7 to 62 days
- Loan type
- Payday loan
- Cost per $100
- $14.00
- On $500 for 14 days
- $70.00 fee · $570.00 total
- Annual rate on that example
- 365.0%
- Money arrives
- Same day (Interac e-Transfer, stated as within about 30 minutes of approval during business hours)
- Credit check
- No credit check stated by lender: “Says it does not run credit checks, though its terms allow it to request bureau information”
- If a payment bounces
- —
- If you pay late
- —
- Support hours
- —
Is Focus Cash Loans licensed where I live?
Provincial regulators license payday lenders. Rows marked Verified were checked on the provincial register on the date shown. Rows marked Listed by lender are the provinces the lender says it is licensed in, which we haven’t checked yet. Either way, licences can change, so use the Verify link before you apply.
| Province | Licence number | Status | Regulator | Checked on |
|---|---|---|---|---|
| Alberta | Not published | Listed by lender, not yet checked by Koke | Service Alberta and Red Tape Reduction · Verify | |
| British Columbia | Not published | Listed by lender, not yet checked by Koke | Consumer Protection BC · Verify | |
| Ontario | Not published | Listed by lender, not yet checked by Koke | Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario) · Verify |
Apply now opens Koke’s application page, which sends your answers to our matching partner LeadScout. It may match you with Focus Cash Loans or with other lenders. Koke may be paid for referrals and for clicks to lender websites; that never changes our rating. Disclosure
Borrowing $500 for 14 days at $14.00 per $100 costs $70.00. You’d repay $570.00 on Tuesday, November 24. As an annual rate, that’s 365.0%.
Try your own numbers
How applying with Focus Cash Loans works
You apply online with bank statements showing at least $1,200 a month in steady direct deposits over the past three months. Decisions are made during business hours, and approved loans go out by Interac e-Transfer, typically within about half an hour. In Alberta, your loan is repaid in instalments over at least 42 days, as provincial rules require.
What to watch
Focus advertises no credit checks, but its own terms let it request information from credit bureaus and government agencies, so treat “no credit check” loosely. Government disability income isn’t accepted, and you can’t apply if you’ve been bankrupt in the past year. Applying on a Sunday means waiting until Monday for a decision.
What we like
- Accepts several benefit and pension income types many payday lenders refuse
- Publishes licence numbers for all three provinces, including Alberta 327008
- Decision and e-Transfer stated at about 30 minutes each during business hours
What to watch
- Charges the provincial maximum of $14 per $100
- First-time borrowers are capped at $500
- Approvals only during business hours, Monday to Saturday
Where Focus Cash Loans lends
Other licensed lenders in Alberta
Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.
- Cost per $100
- $14.00
- Borrow up to
- $1,500
- Funding
- Same day
- Apply
- Online and in-store
Licence verified AB, BC, SK
- Cost per $100
- $14.00
- Borrow up to
- $25,000
- Funding
- Next business day
- Apply
- Online and in-store
Licensed per lender AB, BC, MB, NB, NL, NS, ON, PE, SK Confirm with regulator
A payday loan isn’t your only option. See lower-cost alternatives
Reviewed by Trust Pilot, Accredited Financial Counsellor Canada® on November 10, 2026. Our editorial standards
Sources
- Finder Canada: Focus Cash Loans review (accessed November 7, 2026)
Update log
- — Profile published from public sources. Licences listed as stated by the lender; register check by Koke pending.