Need a quick and easy short-term loan?

Magical Credit loans are as simple as

I want to borrow:

< $2000 >
$2,000
Min
$10,000
Max

We give you the credit you deserve

Banks and payday loan companies can be very stingy with their funds. At Magical Credit, we look beyond your credit history to determine if you qualify for a cash loan. Do you have poor credit or a non-traditional source of income? That’s okay. Magical Credit provides loans to bad credit and low-income households. We accept government subsidies such as unemployment insurance, workers comp, maternity leave, baby bonuses and pensions, among others. We're here for you even if banks and payday loan companies don't fit your needs.

Read more about the types of income we accept.

Qualify For a Short-Term Cash Loan Now

Need a loan fast? Applying for a short-term loan from Magical Credit is simple and you can be approved for a cash loan in as little as 1 business day. All you have to do is fill out a quick and easy online loan application. Get approved for a loan fast.

Our loans are considered short-term loans and have up to a 12-24 month term with an interest rate of 3.9% per month.
Loan Example
Term
1 Year
APR
56.50%
Amount
$2,000.00
Fees
$194.00
Interest Rate (46.8%)
$936.00
Total Cost of Borrowing
$1,130.00
Total Due End of Term
$3,130.00
NOTE: You can pay off your loan at any time with no penalty.
You will only pay interest up to the date you borrow it.
Terms and Conditions: (APR 23% min - 59.7% max) Loan amortization is between 12-24 months. Loan must be paid in full by the end of term, no extensions or exceptions, no automatic renewals. Failure to pay your debt on time with impact your future credit with Magical Credit Inc. and other credit lenders. All delinquencies will be reported to the Credit Bureau.