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Need A Loan? Contact Magical Credit Today!

If you need cash fast, Magical Credit is a qualified private lender that specializes in low-income loans and poor credit personal loans in Canada. Don’t settle for a cash advance with a sky-high interest rate; get a short term loan with Magical Credit.


970 Lawrence Ave W #402,
Toronto, ON M6A 3B6
Fax: 1-855-542-0155


Online 24/7

Monday- 8am-8pm EST
Tuesday- 8am-8pm EST
Wednesday- 8am-8pm EST
Thursday- 8am-5pm EST
Friday- 9am-5pm EST
Saturday- 12-8pm EST
Sunday- 12-8pm EST

Holiday hours may vary

Please contact us by phone or email to set up an appointment before you visit. We do not accept walk-ins.

If You Have Any Question Before Applying For A Loan, Fill Out The Form Below.

Our loans are considered short-term loans and have up to a 6-60 month term with an interest rate of 3.9% per month. 

Example: $1,500 borrowed for one year at 3.9% per month. Monthly payments are $199.67. Total payback with interest and fee of $194.00 is $2,396.00.

NOTE: You can pay off your loan at any time with no penalty. You will only pay interest up to the date you pay it off.

824 people applied for a loan with us in the last 7 days
44 people applied for a loan with us in the last 24 hours
6 people applied for a loan with us in the last hour