Need Cash Fast?
We’ve Got You Covered!
Magical Cash by Magical Credit: Get quick online loans up to $1,500 deposited into your account in less than an hour!*
Quick Approval No Hidden Fees No Credit Checks
*Only funded within 1 hour when all documents are received and the loan agreement is signed.
Trusted by Canadians
We understand your concerns
Revolutionize your short-term loan experience with our stress-free quick online loan.
No Judgement
We believe everyone deserves financial assistance without judgment. Our process is respectful and private.
100% Secure
Your personal information stays safe with our confidential and secure process.
No Credit Check
Get your loan approved fast, no credit check needed.
No Hidden Surprises
Transparent pricing with no hidden fees. We provide clear terms and conditions to ensure fair dealings.
Unexpected Bills? No Problem!
Don’t let unexpected expenses cause you stress or financial hardship.
Our short-term online loans offer a fast and efficient way to get the cash you need, precisely when you need it. With easy online applications and quick approvals, you can regain control of your finances and focus on what truly matters.
Apply now and get the money you need in as little as one hour. Get started with our easy online application today.
New Phone
New Appliance
Sick Pet
Car Repair
Get Money Fast with an Online Paycheck Loan
Time is crucial when you need funds. Payday loans with Magical Credit ensure you get your money fast, avoiding long waits at the bank or extended approval processes. Apply online anytime and get quick access to the funds you need to handle emergencies without the hassle.
I want to borrow:
$100
$1,500
How it Works
Magical Cash, powered by Magical Credit, offers a seamless and transparent lending process designed to meet your financial needs quickly and efficiently.
STEP 1
Apply Online
Fill out a simple application form
STEP 2
Get Approved
Quick approval process without any credit check
STEP 3
Receive Funds
Money deposited into your bank account within an hour
Trusted by Canadians 
Trusted by Canadians
Read our reviews to see why our customers choose us for their online loan needs
When i need extra cash right a way, I always use Magical Creadit.It doesn’t affect my credit, and I always get accepted.There really great and I get the money on the same day, almost right away.
Great service great rates fast within 15mins was in the bank..Definitely use Magical Credit
Service was easy and quick as my 3rd time around and will continue to be a customer
This place is a bunch of thieves do not get a loan from them do not trust them. They will try to screw you just go anywhere else a -10 is the review. They are thieves.
Magical Credit has been accommodating with my loans, and has very kind staff members serving the phone lines. I coudn't have asked for better service than this. They are very helpful and fair.
Excellent payday loan service, very secure, and I had a great experience with the application process. I will definitely recommend Magical Credit to friends and family if they ever run into an emergency fund situation like I have. Thanks Magical Credit!!
They really helped me out when I was in a tight crunch. I am appreciative of the prompt and responsive customer service. Thank you so much!
I highly recommend Magical Credit for your short term financial issues.. They are quick, easy to deal with and you get your funds almost instantly....I really appreciate them
Terrible I’ve been an incredible customer never late on payments either paid early or on time denied just like that no explanation all they said was I’m no longer fit for the company?? Whatever this means don’t trust this company!!! I’ve never experienced this in my life if I could give a 0 star I would
Very good with application and verification process fast decision and transferring funds and fair.I love my agreement and the option to reloan asap once I've paid in full the previous loan. Interest is fair and I like that it's 1 week to pay back as it keeps interest lower than others
I was in need of quick funds. Magical Credit came through for me. Very fast, seamless process and you're approved in minutes! Would definitely recommend!
The best so far when it comes to Pay Day Loans. Fast and stress free with amazing staff. Will go again if I need help.
Magical Credit helped me with no questions asked. They are super friendly and a caring team. I recommend them 110% you won't be disappointed. Thanks Magical Credit!!
When everyone turn me down magical credit work some magic and got me the money I really needed u guys are lit
Very easy to deal with, great communication, flexible repayment schedule.One of the best online short term lenders I’ve dealt with.
I have a great experience with Magical Credit, pleasant, fast, they follow up. Excellent Service, Thank you very much.
This is a great company. I've used them several times. Very helpful and on time. I highly recommend them.
I am happy to say they are grate company and customer service was wondering. And fund right away i thank you
This place is amazing easy and reliable. They make things so easy for you to understand. Love this place.
Very helpful professional the process was very helpful and fastThanks for your awesome customer serviceMay 3 rd adding in to this reviewGot great service again they made sure that as a customer I was shown that I was appreciated respected and my needs were met in such a short turn around time.They are the best to deal with.They also help improve your creditThanks again
Amazed at how simple the application is, and how quickly funds are deposited
False advertising..They only do payday loans...not regular loans that you pay off monthly. Update your website! Don't deceive.
These are a solid and are always there when I’m in a pinch. I find the other lenders are there only when you have money, and won’t lend to you if you have any nsfs which defeats the purpose? 5 solid stars from me.Good Job and Thank you Magical⭐️⭐️⭐️⭐️⭐️
Terrible service. They advertise on their website that things go quick and easy, and it’s as easy as 1,2,3. That is not the case at all. Their bank verification doesn’t even work on their website, causing unnecessarily delays. And their website has false advertising. They don’t give out $20,000 loans. The rep told me that but yet they have it all over their website. After all the verification they have the nerve to offer me only a quarter of my pay. Most payday loaning places will at least give you 40-50% as a first time client. I spoke to a manager who still couldn’t explain how I got offered so low. With all the guarantees I provided what a disappointment. Go somewhere else.
Quick and friendly service in a hard time.Clear communication and commitments are aligned with true customer service.
Extremely happy with magical credit! The loan process was quick and everyone was very helpful! Extremely quick to reply to emails too!!! Thank you magical credit!!
Great customer service and going above to make sure they help you as much as they can.
They have been one of the best payday loans I've received and very helpful when needed.
Thank you Magical Credit for approving my loan application . God bless you.
I was having a technical issue. They took all the steps to get it to work and when that issue didn't resolve itself they found another solution for me to get my loan.Much appreciated.
Magical Credit did everything to make me as a client happy with their services. I strongly recommend this company to everyone who is in need of some financial help. Thank you.
They have been wonderful to deal with. They helped in a tough situation!! I highly recommend them!!
Excellent customer service and fair borrowing! Thank you for assistance 😊
Customer service is fast, efficient and kind with any questions you may have.Process is quick.
AVOID AT ALL COSTS. Deceptive, fraudulent, incompetent, unprofessional, and they waste your time. Your questions will be ignored and no actual service given.
i’d you aren’t in the country despite being a canadian citizen then they can’t help you, got robbed and in need of funds to get back as i missed my return flight due to being in the hospital. Quite inconvenient
There are lots of good reviews for Magical Credit. I agree. Customer service was excellent, got the money quickly and they were very helpful and transparent. They send you monthly updates of your payments and your remaining balance so you always know how far along you are. I would definitely recommend and if needed get another loan with Magical Credit
Very nice customer service I can avoice any one to do business with them
Very pleasant to speak with. Very quick to apologize because they couldn't call me when I requested. Was still an easy process. They are worth dealing with.
Needed a loan fast and I got approved within 24 hours, really happy with them. Will definitely be recommending as well
Always quick service and i had a few problems on their end with my application getting denied but it got fixed right away. Theyre awesome!!!!
Needed money fast & was happy with with the service for being my first time. Would recommend.
My first time using Magical Credit. I had several questions along the way. The staff was very helpful and professional. Highly recommended and now my goto for payday loans. Call them first!
Friendly, fast, reliable and their communication is very good. Dornet is amazing to deal with.
Awsome service, everyone is super friendly and they do whay they can to help. Highly recommend as all income and credit is welcomed.
Was denied even though based on all their criteria advertised on the website, I more than qualify. No options afterwards for even lower amounts. Nothing. The denial reasons do not match what’s on their website. My income and credit was much higher than their requirements.Not transparent, and not honest.
The customer service was incredibly friendly and helpfulRasmean was very nice and very very helpful
I paid off my balance last Thursday, and before I did so I had emailed and asked if I could re-loan they said yes I would be able to re-loan. When I do go to re-loan I get denied before I could even do the banking verification. When I phone to speak to a representative I was told that they aren’t doing payday loans for at least 2 weeks leaving me with no money to pay bills or do anything. If I knew that was the situation I would have only made a partial payment. In the future maybe they shouldn’t be telling people they can re-loan when they cannot.
I highly recommend this credit company.My transaction was with Dornett and she was incredible,soft spoken and very informative.The process was simple and everything was done over the phone super fast.Thank you so much!
Magical credit is very thorough and quickly sends your funds, especially if you are renewing. Thankyou for your diligence and speediness!
Great experience! Very informative and nice! Answered all my questions and helped me fill and send everything needed! Def would recommend! Now I can pay for the dental surgery I need and not go bankrupt. Thanks 😁
Easy simple and direct, usually getting my funds very quickly, customer service is great!! I recommended them to my friends.Blessings
Amazingly fast reply’s. I highly recommend. It’s been a great experience and very helpful staff. If I could give a higher star rating I definitely would.
Quick and easy to get money I needed. No hard forms to fill out. Had the funds within the hour Will use Magical Credit again
Great customer service. Very transparent and fair. Quick turnaround and easy to apply.
Got a loan from magical credit. And I must say the service was fantastic…. Everything was fast easy…. I spoke with Jenny who gave the best service…. I highly recommend
Great service and willingness to help with your situation i would recommend anyone to use their servicesThank you for all the support
My experience with Magical credit was great. Good customer service and prompt response.
Jenny, was very quick, efficient and worked hard to help me out of the situation I was in. She was even able to get me qualified for more than I suspected I could have.
First time applicant here and I was really impressed from the customer service, the online process and how quick I was went from applying to getting funds in my account . My repDornett was very helpful and answered all my questions and reassured me with the process. Highly suggest this place for anyone looking for financial assistance.
Amazing service. Empathetic to life situations. Never judgemental . I have used them for awhile and always will.Sometimes the higher than normal Interest rate is worth it when one receives the respect professionals like Natalie give you whist you're already having a difficult time.THANK YOU NATALIE!
This is the second time I have used Magical Credit. The service is awesome with very helpful people and wonderful interactions. They are friendly, helpful, Professional. The process is fast and simple. The deposit came through faster then the time frame given. I would recommend Magical credit.
The company was very responsive and they were able to loan me lesser than the minimum amount to help me with my financial needs. Highly recommend
I was completely impressed with their professionalism and customer serviceThank you.
Not only did I get to actually speak with two very 'magical' ladies in the office, but they are efficient and kind. They treated me like valuable person and made me feel good. They guided me patiently through every step. I would highly recommend this lending company!! I would give them 6 stars if I could 🙂
Dealt with Jenny today. Super helpful incredibly polite. Not the first time dealing with this company. Always so friendly and knowledgeable. Will definitely recommend to anyone looking for somewhere to borrow when struggling a little.
I am a new customer with Magical Credit and my experience was great. The representative on the phone was very cheerful and made me feel important. Though I initially asked for a higher amount I was still happy to receive the amount that was offered to me. I hope in the future once I prove myself to Magical credit I can obtain a higher amount up to 20,000 dollars .Maybe I can take at that point a nice European vacation .thank you Magical credit , and i recommend it to anyone . Fast approvals.
The application process is very seamless. Both customer service representatives I dealt with were very polite and informative.I'm working on my third loan and I look forward to our continued relationship.I would recommend to anyone looking for some quick cash
Frequently Asked Questions
A payday loan is a quick, small loan that you need to pay back in full by your next pay date
Simply fill out an Application. We’ll be informing you of every step of the way through email, text or phone. You’ll also be able to check the application status when you log in to the customer portal
Our loan requirements are very simple:
– Receive consistent income for the past 3 months (minimum of $1,500 per month).
– Be the age of majority in your province/territory (18 or 19)
If you meet these requirements, we would only need to review 90 days of your bank statements to determine approval
You can borrow up to $1,500. If you’d like to borrow more than that, visit Magicalcredit.ca
The cost of borrowing is $14.00 for each $100.00 borrowed. On a $1,000.00 loan for 14 days, for instance, the cost of borrowing is $140.00. The total to payback is $1,140.00
A payday loan is a quick, small loan that you need to pay back in full by your next pay date
Simply fill out an Application. We’ll be informing you of every step of the way through email, text or phone. You’ll also be able to check the application status when you log in to the customer portal
Our loan requirements are very simple:
– Receive consistent income for the past 3 months (minimum of $2,000 per month).
– Be the age of majority in your province/territory (18 or 19)
– Have a SIN (excluding temporary SIN)
If you meet these requirements, we would only need to review 90 days of your bank statements to determine approval
You can borrow up to $1,500. If you’d like to borrow more than that, visit Magicalcredit.ca
The cost of borrowing is $15.00 for each $100.00 borrowed. On a $1,000.00 loan for 14 days, for instance, the cost of borrowing is $150.00. The total to payback is $1,150.00
Responsible Lending you Can Trust
We don’t approve every application because we want to make sure your Magical Cash loan doesn’t create more difficulties for you. If you’re approved, it’s because we truly believe you’ll be able to make good on your commitment.
