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
1 Year
Interest Rate (46.8%)
Total Cost of Borrowing
Total Due End of Term
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.