{"id":971001,"date":"2022-01-19T18:19:25","date_gmt":"2022-01-19T23:19:25","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=971001"},"modified":"2025-09-10T08:44:25","modified_gmt":"2025-09-10T12:44:25","slug":"focus-cash-loans-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/payday-loans\/focus-cash-loans-review","title":{"rendered":"Focus Cash Loans review"},"content":{"rendered":"<h3>What is Focus Cash Loans?<\/h3><p>Focus Cash Loans is a payday lender that has been in business since 2008. It is based in Vancouver, British Columbia.<\/p><h3>Is Focus Cash Loans legitimate?<\/h3><p>It is. Focus Cash Loans is owned by Focus Financial Inc. Founded in 2008, Focus is a publicly registered organization in AB, BC and ON. It has customer service Monday to Saturday, and an active social media presence on Facebook, Twitter, YouTube and LinkedIn.<\/p><p>Most importantly, it prominently displays its payday licences in each of the provinces it operates in, including applicable fees, APRs and repayment terms. For full transparency, it also shows you the full cost of your payday loan as the first prompt during the application process.<\/p><ul><li>Alberta licence: 327008<\/li><li>BC licence: 50034<\/li><li>Ontario licence: 4716299<\/li><\/ul><p><em>Licence numbers as of January 8, 2025<\/em><\/p><h3>What are the benefits of Focus Cash Loans?<\/h3><ul class=\"list-1\"><li><strong>Easy online application.<\/strong> Focus is an online-only lender, so borrowers can apply wherever they have an Internet connection, sign their contract electronically and receive their funds via Interac e-Transfer. You don\u2019t have to email or fax any documents unless you don\u2019t get paid via direct deposit or your personal information doesn\u2019t match your bank account profile.<\/li><li><strong>Fast.<\/strong> After submitting your application, you can get a decision within 30 minutes during business hours and get your funds within 30 minutes after approval.<\/li><li><strong>Bad credit is okay.<\/strong> Anyone can apply for a Focus Financial payday loan. There are no credit checks because the emphasis is on your monthly income and ability to repay the loan. You must not have gone bankrupt in the past year, though.<\/li><li><strong>No collateral.<\/strong> Payday loans are unsecured and do not require any collateral.<\/li><li><strong>Use the funds for any purpose.<\/strong> Once you\u2019re approved for a loan, you have the freedom to use the money as you\u2019d like.<\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-3\"><li><strong>Steep interest rates.<\/strong> Payday loans cost $14 for every $100 borrowed. Payday loans are some of the most expensive ways to borrow cash with APRsover 300%.<\/li><li><strong>Short repayment terms.<\/strong> Payday loans are a quick-fix solution. You must repay your loan by your next payday, with terms capping out at 62 days. Make sure you can comfortably cover your payments with your next paycheque before you apply.<\/li><li><strong>Caps on how much you can borrow.<\/strong> You can only borrow up to $500 for your first Focus payday loan. After that, payday loans cap out at $1,500.<\/li><li><strong>Not available across Canada.<\/strong> Focus is only licensed as a payday lender in AB, BC and ON.<\/li><li><strong>References.<\/strong> You\u2019ll need to provide Focus Financial with 2 references, including their name and phone number.<\/li><\/ul><h3>Am I eligible?<\/h3><p>To qualify for a Focus Financial payday loan, you\u2019ll need to meet the following requirements:<\/p><ul><li>Be 19 years of age or older.<\/li><li>Have proof of a net income of $1,200 per month via bank statements that show steady direct deposits from the past 3 months.<\/li><li>Have an active chequing account that can receive e-Transfers.<\/li><li>Have an active telephone number that Focus can contact you at.<\/li><\/ul><div class=\"content-area-light-blue has-padding-small has-padding-top-large\"><h4>Which provinces are Focus Financial payday loans available in?<\/h4><p>Focus Financial payday loans are available in AB, BC and ON.<\/p><\/div><div style=\"padding-top: 15px;\"><\/div><div class=\"box\">\r\n  <h5 class=\"box-title\" id=\"financial-hardship\">\u26a0\ufe0f  Warning: Be cautious with payday loans<\/h5>\n<span style=\"font-size: 11pt\">High-cost payday loans are unsustainable for long-term use, with up to $14 charged per $100 borrowed. If you're experiencing financial hardship, call <a href=\"https:\/\/nomoredebts.org\">Credit Counselling Society<\/a> for free financial counselling (Mon\u2013Fri, 8am\u20135pm at 1-888-527-8999). Also consider <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/payday-loan-alternatives\" target=\"_blank\" rel=\"noopener\">payday loan alternatives<\/a>.<\/span>\r\n<\/div><h3 id=\"compare\">Alternatives to Focus Cash Loans<\/h3><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__sidebarFilter tableWithFilters__sidebarFilter--stickyAndScrollable\" data-niche-short-code=\"CAFSL\">\n        <div class=\"tableWithFilters__filter f1\"><\/div>\n    <\/div>\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"customTableFiltersConfig tableFiltersConfig__main\" style=\"display: none\">{\"userFilters\":[{\"config\":{\"MULTISELECT\":true,\"VALUES\":\"Alberta, British Columbia, Manitoba, Newfoundland and Labrador, New Brunswick, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon\"},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"DETAILS.PROVINCES\"},\"dataType\":\"TEXT\",\"label\":\"What province or territory do you live in?\",\"order\":1},{\"dataSelector\":{\"recordType\":\"UI_FILTER_COMPONENT\",\"fieldCode\":\"SPECIAL_OFFERS\"},\"dataType\":\"BOOLEAN\",\"label\":\"Special offers\",\"componentType\":\"SpecialOffersFilter\",\"config\":{\"VALUES\":\"1\",\"fields\":[{\"value\":\"exclusive_only\",\"label\":\"Finder Rewards &amp; exclusives\"},{\"value\":\"all_offers_no_rewards\",\"label\":\"All offers\"}]},\"options\":{\"comparator\":\"eq\"}},{\"config\":{},\"dataSelector\":{\"recordType\":\"product\",\"fieldCode\":\"GENERAL.PROVIDER_ID\"},\"dataType\":\"UUID\",\"label\":\"Provider\",\"order\":100}],\"niche\":{\"currencySymbol\":\"$\",\"decimalPoint\":\".\",\"decimalPlaces\":\"2\",\"thousandsSeparator\":\",\",\"filterBoundsMap\":{\"product.DETAILS.PROVINCES\":null,\"product.GENERAL.PROVIDER_ID\":null}},\"prefilled\":false,\"experimental\":false}<\/div><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"895b8c68-af4d-45c1-a411-010bf546d58d\" data-template=\"comparison\" data-niche=\"CAFSL\" data-site=\"CAFSL\" data-auto-recalculate=\"true\" data-post-country=\"ca\" data-fieldset=\"payday-loans-table\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"971001\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CAFSL\",\"fieldset\":\"payday-loans-table\",\"template\":\"comparison\",\"category_id\":\"895b8c68-af4d-45c1-a411-010bf546d58d\",\"category_name\":\"All Payday Loans\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778298421}' data-disable-alternative-products=\"true\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"comparison-actions__filterAndSort\"><div id=\"portal-table-sort-button-mobile\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile\" class=\"comparison-actions__filter\"><\/div><\/div><div id=\"portal-tableWithFilters__table\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col \"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-895b8c68-af4d-45c1-a411-010bf546d58d\">5 of 23 results<\/span><\/small><\/div><\/div><div class=\"comparison-actions__filterAndSort--sticky\"><div id=\"portal-table-sort-button-mobile-sticky\" class=\"comparison-actions__tablesort\"><\/div><div id=\"portal-table-filter-button-mobile-sticky\" class=\"comparison-actions__filter\"><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"CAFSL\" data-site=\"CAFSL\" data-table-id=\"1702\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"CAFSL\",\"fieldset\":\"payday-loans-table\",\"template\":\"comparison\",\"category_id\":\"895b8c68-af4d-45c1-a411-010bf546d58d\",\"category_name\":\"All Payday Loans\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778298421}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"cafsl\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"5\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"5\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"23\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-user-filters data-table-filter-presets=\"b54060f4a50e4db24e0b925ad31d428280b190fcd233a5a5191fd227248c3f7d\" data-table-record-type=\"product\" data-table-record-ids='[\"66d4acc7-6b48-45f1-ac0e-8c14228c8549\",\"a7a72c04-1457-4a88-9c8c-39ec48a66f0e\",\"c6daaa59-c1f0-4f54-8c51-a8b92662a581\",\"2617c445-d1e1-4e34-a334-7282cf4bb008\",\"36ee6116-6a84-4c03-91ba-e50ac1a737dd\"]' data-total-data=\"5\" data-enable-top-filters=\"false\" data-total-product-count=\"23\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-ajax-table-sorter-column=\"CAFSL.PRODUCT.DATAPOINT_CAFSL_COST\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"cost\">\n                                                        Cost\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CAFSL.PRODUCT.DATAPOINT_TERM_RANGE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_amount\">\n                                                        Loan Amount\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"CAFSL.PRODUCT.DATAPOINT_CAFSL_LOAN_TERM\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_term\">\n                                                        Loan Term\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-desktop=\"hide\" data-ajax-table-sorter-column=\"CAFSL.PRODUCT.DATAPOINT_CAFSL_PROVINCES\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"serviced_provinces\">\n                                                        Serviced Provinces\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"PRODUCT.DESCRIPTIONS.TABLE_DEFAULT_KEY_FEATURES\" class=\"comparison-table__feature comparison-table__feature--longtext tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"key_features\">\n                                                        Key Features\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%); display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { 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border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"66d4acc7-6b48-45f1-ac0e-8c14228c8549\" data-provider-id=\"b4d07ae5-bf28-409a-a7cf-6388162213ca\" data-product-name=\"Wagepay Wage Advance Loan\" data-provider-name=\"Wagepay\" class=\"grid-column-count-3  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/wagepay-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/69ea4e9ea86ea.png\" alt=\"Wagepay logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/69ea4e9ea86ea.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/69ea4e9ea86ea.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/69ea4e9ea86ea.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/69ea4e9ea86ea.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/69ea4e9ea86ea.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/wagepay-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Wagepay Wage Advance Loan<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafsl.product.datapoint_cafsl_cost\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cost\"><span class=\"detail-highlight\">$14 per $100 borrowed<span class=\"table-popover\" rel=\"popover\" data-content=\"The total cost of borrowing is expressed per $100 borrowed. In provinces with payday lending regulations, the Criminal Interest Rate Regulations limit the cost of borrowing to $14 per $100 borrowed. Lenders may also charge a one-time fee of up to $20 for dishonoured payment instruments.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafsl.product.datapoint_term_range\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$100 - $1,500<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafsl.product.datapoint_cafsl_loan_term\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Up to 62 days<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafsl.product.datapoint_cafsl_provinces\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Serviced Provinces\"><span class=\"detail-highlight\">BC and ON<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: 24\/7 approval and e-Transfer, no credit check&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key Features\"><b>Key features: 24\/7 approval and e-Transfer, no credit check<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"66d4acc7-6b48-45f1-ac0e-8c14228c8549\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/payday-loans\/wagepay-wage-advance-ca-payday-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CAFSL%22%2C%22fieldset%22%3A%22payday-loans-table%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22895b8c68-af4d-45c1-a411-010bf546d58d%22%2C%22category_name%22%3A%22All%2BPayday%2BLoans%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778298421%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%2225074%22%2C%22niche_code%22%3A%22CAFSL%22%2C%22product_id%22%3A%2266d4acc7-6b48-45f1-ac0e-8c14228c8549%22%2C%22product_name%22%3A%22Wagepay%2BWage%2BAdvance%2BLoan%22%2C%22post_id%22%3A%22971001%22%2C%22post_path%22%3A%22payday-loans%252Ffocus-cash-loans-review%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to Wagepay's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Wagepay Wage Advance Loan\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"66d4acc7-6b48-45f1-ac0e-8c14228c8549\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-66d4acc7-6b48-45f1-ac0e-8c14228c8549\" value=\"66d4acc7-6b48-45f1-ac0e-8c14228c8549\" name=\"productID\" _productname=\"                            Wagepay Wage Advance Loan            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"66d4acc7-6b48-45f1-ac0e-8c14228c8549\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-66d4acc7-6b48-45f1-ac0e-8c14228c8549\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"a7a72c04-1457-4a88-9c8c-39ec48a66f0e\" data-provider-id=\"b72326b8-640c-4a4e-909c-27101362afed\" data-product-name=\"iCash Payday Loan\" data-provider-name=\"iCash\" class=\"grid-column-count-3  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/icash-payday-loans-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/65203e72ed5b2.png\" alt=\"iCash logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65203e72ed5b2.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65203e72ed5b2.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65203e72ed5b2.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/65203e72ed5b2.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/65203e72ed5b2.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/icash-payday-loans-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">iCash Payday Loan<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafsl.product.datapoint_cafsl_cost\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cost\"><span class=\"detail-highlight\">$14 per $100 borrowed<span class=\"table-popover\" rel=\"popover\" data-content=\"The total cost of borrowing is expressed per $100 borrowed. In provinces with payday lending regulations, the Criminal Interest Rate Regulations limit the cost of borrowing to $14 per $100 borrowed. Lenders may also charge a one-time fee of up to $20 for dishonoured payment instruments.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafsl.product.datapoint_term_range\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$100 - $1,500<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafsl.product.datapoint_cafsl_loan_term\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">7 - 62 days<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafsl.product.datapoint_cafsl_provinces\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Serviced Provinces\"><span class=\"detail-highlight\">AB, BC, MB, NB, NS, ON, PEI<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: 24\/7 instant approval and e-Transfer, accepts bad credit&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key Features\"><b>Key features: 24\/7 instant approval and e-Transfer, accepts bad credit<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"a7a72c04-1457-4a88-9c8c-39ec48a66f0e\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/ca\/payday-loans\/icash-ca-payday-loans-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22CAFSL%22%2C%22fieldset%22%3A%22payday-loans-table%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22895b8c68-af4d-45c1-a411-010bf546d58d%22%2C%22category_name%22%3A%22All%2BPayday%2BLoans%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778298421%22%2C%22position%22%3A%222%22%2C%22offer_id%22%3A%2218691%22%2C%22niche_code%22%3A%22CAFSL%22%2C%22product_id%22%3A%22a7a72c04-1457-4a88-9c8c-39ec48a66f0e%22%2C%22product_name%22%3A%22iCash%2BPayday%2BLoan%22%2C%22post_id%22%3A%22971001%22%2C%22post_path%22%3A%22payday-loans%252Ffocus-cash-loans-review%22%2C%22post_country%22%3A%22ca%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Go to iCash's site\">Go to site<\/a><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about iCash Payday Loan\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"a7a72c04-1457-4a88-9c8c-39ec48a66f0e\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-a7a72c04-1457-4a88-9c8c-39ec48a66f0e\" value=\"a7a72c04-1457-4a88-9c8c-39ec48a66f0e\" name=\"productID\" _productname=\"                            iCash Payday Loan            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"a7a72c04-1457-4a88-9c8c-39ec48a66f0e\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-a7a72c04-1457-4a88-9c8c-39ec48a66f0e\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"c6daaa59-c1f0-4f54-8c51-a8b92662a581\" data-provider-id=\"d9f934bd-1151-4fdf-9ae3-39dcb40e72d8\" data-product-name=\"Venue Financial Payday Loans\" data-provider-name=\"Venue Financial\" class=\"grid-column-count-3  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/venue-financial-centres-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66fda64259442.png\" alt=\"Venue Financial logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66fda64259442.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66fda64259442.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66fda64259442.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66fda64259442.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66fda64259442.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/venue-financial-centres-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Venue Financial Payday Loans<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafsl.product.datapoint_cafsl_cost\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cost\"><span class=\"detail-highlight\">$14 per $100 borrowed<span class=\"table-popover\" rel=\"popover\" data-content=\"The total cost of borrowing is expressed per $100 borrowed. In provinces with payday lending regulations, the Criminal Interest Rate Regulations limit the cost of borrowing to $14 per $100 borrowed. Lenders may also charge a one-time fee of up to $20 for dishonoured payment instruments.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafsl.product.datapoint_term_range\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$50 - $1,500<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafsl.product.datapoint_cafsl_loan_term\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Up to 62 days<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafsl.product.datapoint_cafsl_provinces\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Serviced Provinces\"><span class=\"detail-highlight\">BC<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: Instant loans, no credit check&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key Features\"><b>Key features: Instant loans, no credit check<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Venue Financial Payday Loans\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"c6daaa59-c1f0-4f54-8c51-a8b92662a581\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-c6daaa59-c1f0-4f54-8c51-a8b92662a581\" value=\"c6daaa59-c1f0-4f54-8c51-a8b92662a581\" name=\"productID\" _productname=\"                            Venue Financial Payday Loans            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"c6daaa59-c1f0-4f54-8c51-a8b92662a581\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-c6daaa59-c1f0-4f54-8c51-a8b92662a581\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"2617c445-d1e1-4e34-a334-7282cf4bb008\" data-provider-id=\"bc109665-ff9d-46d0-8f71-b67b6e72ed09\" data-product-name=\"Cashco Financial Payday Loans\" data-provider-name=\"Cashco Financial\" class=\"grid-column-count-3  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/cashco-payday-loans-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/618dbc3361790.png\" alt=\"Cashco Financial logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/618dbc3361790.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/618dbc3361790.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/618dbc3361790.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/618dbc3361790.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/618dbc3361790.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/cashco-payday-loans-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Cashco Financial Payday Loans<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafsl.product.datapoint_cafsl_cost\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cost\"><span class=\"detail-highlight\">$14 per $100 borrowed<span class=\"table-popover\" rel=\"popover\" data-content=\"The total cost of borrowing is expressed per $100 borrowed. In provinces with payday lending regulations, the Criminal Interest Rate Regulations limit the cost of borrowing to $14 per $100 borrowed. Lenders may also charge a one-time fee of up to $20 for dishonoured payment instruments.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafsl.product.datapoint_term_range\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$50 - $1,500<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafsl.product.datapoint_cafsl_loan_term\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Up to 62 days<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafsl.product.datapoint_cafsl_provinces\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Serviced Provinces\"><span class=\"detail-highlight\">AB, BC and SK<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: Instant approval, no credit check&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key Features\"><b>Key features: Instant approval, no credit check<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Cashco Financial Payday Loans\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"2617c445-d1e1-4e34-a334-7282cf4bb008\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-2617c445-d1e1-4e34-a334-7282cf4bb008\" value=\"2617c445-d1e1-4e34-a334-7282cf4bb008\" name=\"productID\" _productname=\"                            Cashco Financial Payday Loans            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"2617c445-d1e1-4e34-a334-7282cf4bb008\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-2617c445-d1e1-4e34-a334-7282cf4bb008\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"36ee6116-6a84-4c03-91ba-e50ac1a737dd\" data-provider-id=\"b37972fb-ea84-4823-ae37-59821a48ab0a\" data-product-name=\"Lenditt Payday Loan\" data-provider-name=\"Lenditt\" class=\"grid-column-count-3  mobile-column-count-4 mobile-row-count-7  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/lenditt-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66ec919ba8b41.png\" alt=\"Lenditt logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66ec919ba8b41.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66ec919ba8b41.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66ec919ba8b41.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66ec919ba8b41.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66ec919ba8b41.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/lenditt-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Lenditt Payday Loan<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                    first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,cafsl.product.datapoint_cafsl_cost\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Cost\"><span class=\"detail-highlight\">$14 per $100 borrowed<span class=\"table-popover\" rel=\"popover\" data-content=\"The total cost of borrowing is expressed per $100 borrowed. In provinces with payday lending regulations, the Criminal Interest Rate Regulations limit the cost of borrowing to $14 per $100 borrowed. Lenders may also charge a one-time fee of up to $20 for dishonoured payment instruments.\" title=\"\" data-original-title=\"\"><\/span><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,cafsl.product.datapoint_term_range\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Amount\"><span class=\"detail-highlight\">$250 - $1,500<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,cafsl.product.datapoint_cafsl_loan_term\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan Term\"><span class=\"detail-highlight\">Up to 62 days<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,cafsl.product.datapoint_cafsl_provinces\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Serviced Provinces\"><span class=\"detail-highlight\">ON<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext\" data-sortvalue=\"&lt;b&gt;Key features: Instant soft approval, instant e-Transfer funding&lt;\/b&gt;\" data-column-index=\"5\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Key Features\"><b>Key features: Instant soft approval, instant e-Transfer funding<\/b><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 \"><div class=\"comparison-table__cellWrapper\"><a href=\"#\" class=\"comparison-table__more-button\" title=\"Read more about Lenditt Payday Loan\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"36ee6116-6a84-4c03-91ba-e50ac1a737dd\"}' data-custom-event-active=\"true\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>View details<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-36ee6116-6a84-4c03-91ba-e50ac1a737dd\" value=\"36ee6116-6a84-4c03-91ba-e50ac1a737dd\" name=\"productID\" _productname=\"                            Lenditt Payday Loan            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"36ee6116-6a84-4c03-91ba-e50ac1a737dd\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-36ee6116-6a84-4c03-91ba-e50ac1a737dd\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - now;\n\n        if (distance < 0) {\n          \/\/ Countdown finished\n          if (daysEl) daysEl.textContent = \"00d\";\n          if (hoursEl) hoursEl.textContent = \"00h\";\n          if (minutesEl) minutesEl.textContent = \"00m\";\n          if (secondsEl) secondsEl.textContent = \"00s\";\n          if (countdownInterval) {\n            clearInterval(countdownInterval);\n          }\n          return;\n        }\n\n        const days = Math.floor(distance \/ (1000 * 60 * 60 * 24));\n        const hours = Math.floor((distance % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n        const minutes = Math.floor((distance % (1000 * 60 * 60)) \/ (1000 * 60));\n        const seconds = Math.floor((distance % (1000 * 60)) \/ 1000);\n\n        if (daysEl) daysEl.textContent = days.toString().padStart(2, \"0\") + \"d\";\n        if (hoursEl) hoursEl.textContent = hours.toString().padStart(2, \"0\") + \"h\";\n        if (minutesEl) minutesEl.textContent = minutes.toString().padStart(2, \"0\") + \"m\";\n        if (secondsEl) secondsEl.textContent = seconds.toString().padStart(2, \"0\") + \"s\";\n      };\n\n      \/\/ Update immediately\n      updateCountdown();\n\n      \/\/ Update every second\n      countdownInterval = setInterval(updateCountdown, 1000);\n\n      \/\/ Store interval ID to clear it later if needed\n      rewardsProduct.dataset.countdownInterval = countdownInterval;\n    }\n\n    const initRewards = (table) => {\n      if (!table) return;\n\n      const recordIdsAttr = table.getAttribute(\"data-table-record-ids\");\n      if (!recordIdsAttr) return;\n\n      let productIds = [];\n      try {\n        const decoded = recordIdsAttr.replace(\/&quot;\/g, '\"');\n        productIds = JSON.parse(decoded);\n      } catch (e) {\n        return;\n      }\n\n      if (!productIds.length) return;\n\n      productIds.forEach((productId) => {\n        \/\/ Handle pill clicks (minimal UX variant) - independent of infobox\n        const pill = table.querySelector(\n          `tr[data-product-id=\"${productId}\"] .rewards-pill`\n        );\n        if (pill && !pill.dataset.bound) {\n          pill.dataset.bound = \"true\";\n          pill.addEventListener(\"click\", () => {\n            const row = pill.closest(\"tr\");\n            if (!row) return;\n\n            const cta = row.querySelector(\".rewards--cta\");\n            if (!cta) return;\n\n            const linkParams = getLinkParams(cta);\n            if (!linkParams) return;\n\n            const pillModalParams = {\n              productId: linkParams.productId,\n              campaignName: row.getAttribute(\"data-rewards-campaign-name\") || \"\",\n              redirectUrl: linkParams.redirectUrl,\n              productName: linkParams.productName,\n              providerName: row.getAttribute(\"data-provider-name\") || \"\",\n              niche: linkParams.niche,\n              offerId: linkParams.offerId,\n              component: \"infobox\",\n            };\n\n            if (\n              window.rewards &&\n              typeof window.rewards.displayModal === \"function\"\n            ) {\n              window.rewards.displayModal(pillModalParams, false, cta);\n            }\n          });\n        }\n\n        const rewardsProduct = table.querySelector(\n          `div[data-rewards-product-id=\"${productId}\"]:not([data-rewards-banner-attached])`\n        );\n        if (!rewardsProduct) return;\n\n        const endDateStr = rewardsProduct.getAttribute(\"data-end-date\");\n        if (!endDateStr) return;\n\n        \/\/ Format date for Australian locale (dd MMM yyyy)\n        const formattedDate = new Intl.DateTimeFormat(\"en-AU\", {\n          day: \"2-digit\",\n          month: \"short\",\n          year: \"numeric\",\n        }).format(new Date(endDateStr));\n\n        const endDateEl = rewardsProduct.querySelector(\".rewards-end-date\");\n        if (endDateEl && endDateEl.textContent !== formattedDate) {\n          endDateEl.textContent = ` ${formattedDate}`;\n        }\n\n        \/\/ Calculate days remaining\n        const days = Math.ceil((new Date(endDateStr) - new Date()) \/ 86400000);\n\n        \/\/ Show \"Ends Soon\" badge if campaign ends within 7 days\n        if (days <= 7 && days > 0) {\n         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class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer \"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"5\">Load More<\/button><div class=\"js-show-more-data_count-895b8c68-af4d-45c1-a411-010bf546d58d comparison-table__dataCount\">Showing\n\t\t\t5\n\t\t\tof\n\t\t\t23\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"CAFSL\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3>How do I apply for a Focus Cash Loan?<\/h3><p>If you\u2019d like to apply for a Focus payday loan, simply follow these instructions:<\/p><ol><li>Head to focuscashloans.com and click on \u201cApply Now\u201d on the homepage.<\/li><li>Follow the prompts on the application page. Start by selecting which province you live in. Focus will show you its payday licence and the payday loan regulations in your province. Click \u201cContinue\u201d to proceed.<\/li><li>Provide your full name, email address, home address, phone number, date of birth and how much you\u2019d like to borrow (up to $1,500).<\/li><li>Indicate your income type (for example, employment, CPP, EI, WCB or private disability insurance).<\/li><li>Indicate whether you\u2019re renting or own your home and how long you\u2019ve lived at this residence.<\/li><li>Provide the name of your employer, employment type, job title, how long you\u2019ve worked there, how often you get paid, and whether you get paid via direct deposit or paper cheques. You\u2019ll need to indicate your specific pay dates \u2013 this is how Focus will determine your loan repayment due dates.<\/li><li>Electronically sign and date your application.<\/li><li>Fill out your banking details, including the name of your bank, branch number and account number.<\/li><li>Review your application and click \u201cSubmit\u201d when you\u2019re ready. Focus says that if you apply during business hours, you should hear back within 30 minutes.<\/li><\/ol><h4>What documents do I need to apply?<\/h4><p>You don\u2019t need to provide any documents unless you don\u2019t receive your income through direct deposit or the name, address or employer you provided on your application does not match your banking profile.<\/p><h3>What is the application like?<\/h3><p>The application is user-friendly and easy to fill out online. You\u2019ll need to answer around 25 questions about your personal and financial situation. Once you submit your application, you can get a decision in as little as 30 minutes. Once you receive approval, you\u2019ll get your funds within 30 minutes via e-transfer.<\/p><p>Below is a preview of the first few steps of the application process.<\/p><div class=\"fin-carousels \" id=\"fin-carousel0000000000\" data-items-in-view=\"1\" style=\"--items-in-view: 1\">\n    <div class=\"fin-carousels__container\">\n        <div class=\"fin-carousels__slides\">\n            <div class=\"fin-carousel-item\">\n    <div><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus1_supplied_950x330.jpg\" alt=\"Select your province\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus1_supplied_950x330.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus1_supplied_950x330.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus1_supplied_950x330.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus1_supplied_950x330.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus1_supplied_950x330.jpg?fit=950 950w\" sizes=\"(max-width: 950px) 100vw, 950px\" loading=\"lazy\"><br><strong>Step 1:<\/strong> Select your province.<\/div>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <div><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus2_supplied_950x590.jpg\" alt=\"Read the cost of borrowing\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus2_supplied_950x590.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus2_supplied_950x590.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus2_supplied_950x590.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus2_supplied_950x590.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus2_supplied_950x590.jpg?fit=950 950w\" sizes=\"(max-width: 950px) 100vw, 950px\" loading=\"lazy\"><br><strong>Step 2:<\/strong> Read the cost of borrowing.<\/div>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <div><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus3_supplied_954x528.jpg\" alt=\"Provide your details\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus3_supplied_954x528.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus3_supplied_954x528.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus3_supplied_954x528.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus3_supplied_954x528.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus3_supplied_954x528.jpg?fit=954 954w\" sizes=\"(max-width: 954px) 100vw, 954px\" loading=\"lazy\"><br><strong>Step 3:<\/strong> Provide your name, and choose how much you want to borrow.<\/div>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <div><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus4_supplied_948x524.jpg\" alt=\"Select your income type\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus4_supplied_948x524.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus4_supplied_948x524.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus4_supplied_948x524.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus4_supplied_948x524.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus4_supplied_948x524.jpg?fit=948 948w\" sizes=\"(max-width: 948px) 100vw, 948px\" loading=\"lazy\"><br><strong>Step 4:<\/strong> Select your income type.<\/div>\n<\/div>\n<div class=\"fin-carousel-item\">\n    <div><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus5_supplied_949x288.jpg\" alt=\"Provide your email\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus5_supplied_949x288.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus5_supplied_949x288.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus5_supplied_949x288.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus5_supplied_949x288.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2022\/01\/Focus5_supplied_949x288.jpg?fit=949 949w\" sizes=\"(max-width: 949px) 100vw, 949px\" loading=\"lazy\"><br><strong>Step 5:<\/strong> Provide your email address.<\/div>\n<\/div>\n\n        <\/div>\n    <\/div>\n    <div class=\"fin-carousels__controls\">\n        <button class=\"fin-carousels__nav fin-carousels__nav--prev fin-carousels__nav--disabled\" aria-label=\"Previous slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-left\"><\/use>\n            <\/svg>\n        <\/button>\n        <button class=\"fin-carousels__nav fin-carousels__nav--next fin-carousels__nav--disabled\" aria-label=\"Next slide\">\n            <svg class=\"luna-icon\" style=\"--fill: var(--color-background-main)\">\n                <use href=\"#chevron-right\"><\/use>\n            <\/svg>\n        <\/button>\n    <\/div>\n\n    <div class=\"fin-carousels__dots\" role=\"tablist\" aria-label=\"Carousel navigation\"><!-- Dots will be generated by JavaScript -->\n    <\/div>\n<\/div>\n<h3>I got the Focus Cash Loan. Now what?<\/h3><p>Your loan must be repaid on the due dates as set out in your loan contract. If you live in Alberta, your payday loan must be repaid in installments and have a minimum loan term of 42 days.<\/p><p>Make sure you have a concrete plan for how you\u2019ll repay what you\u2019ve borrowed plus the fees you\u2019ve incurred. Focus Financial will withdraw the amount owed directly from your bank account, so make sure the funds are there on your due date.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Will Focus Financial do a credit check if I apply for a payday loan?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Focus Financial says it doesn't do credit checks. However, it can still verify your financial information. At the end of the application, Focus Financial's terms and conditions say that it may request financial information about you from credit granting institutions, credit bureaus, credit reporting agencies and government agencies.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">What happens if I miss a payment?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If your payment is late or your account has insufficient funds, you'll incur an NSF fee which will be added to your total balance. In AB, BC and ON, payday lenders are allowed to charge a maximum of $20.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">What if I have bad credit?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Focus Financial says it accepts applicants with all credit backgrounds. It will look at your monthly income to make sure you can repay your loan. You cannot have filed for bankruptcy within the past year.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">How much can I borrow?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If you're a first-time customer, you can borrow up to $500. If you're a returning customer, you can borrow up to 50% of your net income or up to $1,500, whichever is less.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000007\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000007\">\n                <span class=\"luna-accordion__title\">What types of income does Focus Financial accept?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000007\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Focus Financial accepts CPP, EI, WCB, CTC, private pension and private disability benefits. It does not accept government disability benefits.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000008\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000008\">\n                <span class=\"luna-accordion__title\">How fast can I get a payday loan from Focus Financial?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000008\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can get your payday loan within 1 hour. Focus Financial can give you a response 30 minutes after you submit your application. Once you sign the contract, you'll receive your money within 30 minutes. However, a few factors can affect turnaround time: if you apply outside of business hours, if Focus Financial needs more information from you, if you wait to submit your signed contract or if Focus Financial has a high volume of applications.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000009\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000009\">\n                <span class=\"luna-accordion__title\">Can I apply if I've gone through bankruptcy?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000009\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Focus Financial can consider your application if you haven't gone bankrupt in the past year.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_678649703\" data-toggle=\"collapse\" data-target=\"#sources_678649703\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_678649703\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.orgbook.gov.bc.ca\/entity\/FM0530430%E2%80%B3&gt;https:\/\/www.orgbook.gov.bc.ca\/entity\/FM0530430\" target=\"_blank\">Government of BC<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.ontario.ca\/page\/search-business-licence-registration-or-appointment#section-0\" target=\"_blank\">Government of Ontario<\/a><\/li>\n                                                        <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"http:\/\/servicealberta.ca\/find-if-business-is-licenced.cfm%E2%80%9D&gt;http:\/\/servicealberta.ca\/find-if-business-is-licenced.cfm\" target=\"_blank\">Government of Alberta<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Focus Cash Loans provides payday loans of up to $1,500 with no credit check.<\/p>\n","protected":false},"author":987,"featured_media":971003,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[5506],"tags":[],"asset_tag":[],"class_list":["post-971001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payday-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Focus Cash Loans Review: Benefits &amp; Risks | Finder Canada<\/title>\n<meta name=\"description\" content=\"Focus Cash Loans provides payday loans of up to $1,500 with no credit check. 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At the end of the application, Focus Financial's terms and conditions say that it may request financial information about you from credit granting institutions, credit bureaus, credit reporting agencies and government agencies.\r\r"}},{"@type":"Question","name":"What happens if I miss a payment?","acceptedAnswer":{"@type":"Answer","text":"\r\rIf your payment is late or your account has insufficient funds, you'll incur an NSF fee which will be added to your total balance. In AB, BC and ON, payday lenders are allowed to charge a maximum of $20.\r\r"}},{"@type":"Question","name":"What if I have bad credit?","acceptedAnswer":{"@type":"Answer","text":"\r\rFocus Financial says it accepts applicants with all credit backgrounds. It will look at your monthly income to make sure you can repay your loan. You cannot have filed for bankruptcy within the past year.\r\r"}},{"@type":"Question","name":"How much can I borrow?","acceptedAnswer":{"@type":"Answer","text":"\r\rIf you're a first-time customer, you can borrow up to $500. If you're a returning customer, you can borrow up to 50% of your net income or up to $1,500, whichever is less.\r\r"}},{"@type":"Question","name":"What types of income does Focus Financial accept?","acceptedAnswer":{"@type":"Answer","text":"\r\rFocus Financial accepts CPP, EI, WCB, CTC, private pension and private disability benefits. It does not accept government disability benefits.\r\r"}},{"@type":"Question","name":"How fast can I get a payday loan from Focus Financial?","acceptedAnswer":{"@type":"Answer","text":"\r\rYou can get your payday loan within 1 hour. Focus Financial can give you a response 30 minutes after you submit your application. Once you sign the contract, you'll receive your money within 30 minutes. 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