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No Credit? No Problem!

At Magical Credit, your credit history is a thing of the past.

Unlike banks and payday loan companies, we look beyond your credit score to determine whether you qualify for our short-term, cash loans. And applying for a loan is even easier than qualifying for one through our simple, online application – it’ll take just 5 minutes to complete!

Short Term, Cash Loans between $500 and $10,000

Loan Amounts based on Fixed Monthly Income, NOT Credit Score!

No Surprise Fees or Charges – Fixed Interest Rate of 3.9%*

Get The Credit You Deserve

You shouldn’t have to keep paying – literally – for past financial oversights. We specialize in bad credit, short-term loans, and loans for low-income earners, including people on government subsidies and pensions.

Best of all, our short-term loans – between 12-24 months – come with fix interest rates*, meaning no surprise fees or charges. Get the credit you deserve, and a second chance with Magical Credit!

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.