Key facts about Focus Cash Loans
- Loan type
- Payday loan
- Cost per $100 borrowed
- $14
- Repay on a $500 loan
- $570
- Rate / cost disclosure
- $14 per $100 borrowed; about 365% as an annual rate on a 14-day loan
- Maximum loan amount
- $1,500
- Typical loan term
- Up to 62 days
- How to apply
- Online
- Service type
- Online
- Provinces served
- Alberta, British Columbia, Ontario
- Head office / service area
- British Columbia
Is Focus Cash Loans licensed?
| Province | Licence number | Status | Last checked | Verify |
|---|---|---|---|---|
| Alberta | 327008 | Published by lender | November 14, 2026 | Service Alberta and Red Tape Reduction |
| British Columbia | 50034 | Published by lender | November 14, 2026 | Consumer Protection BC |
| Ontario | 4716299 | Published by lender | November 14, 2026 | Consumer Protection Ontario (Ministry of Public and Business Service Delivery) |
Registries change daily. Confirm the licence yourself before you borrow.
What stands out
- Shows the cost and its licence at the start of the application
- Online process
- Licence numbers published
What to watch
- Three provinces only
- Maximum legal cost
- Needs an active phone number it can reach you on
Who is Focus Cash Loans?
Focus Cash Loans, also known as Focus Financial, lends online in Alberta, BC and Ontario. Its application starts by asking for your province, then shows the licence it holds there and that province’s rules before you enter anything else.
Who is Focus Cash Loans suited to?
We like that the full cost is put in front of you as the first step, not the last. Coverage is limited to three provinces and the price is the same maximum most lenders charge.
Can you cancel?
Provincial law gives you a short cooling-off period to cancel a payday loan at no cost — two business days in Ontario, British Columbia and Alberta.
What if a payment fails?
A returned payment can trigger a one-time lender fee, and your bank may add its own NSF charge. Check the agreement for the exact amounts.
Sources
Editorial review completed November 14, 2026. Ratings are our opinion, not customer reviews — see the Editorial Policy.