Kingston Personal Loans.

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We Give You the Credit You Deserve

Magical Credit is your solution for securing a personal loan that’s right for you. Our team is here to bring you loans to match your needs right now, regardless of your past credit history. 

Households across Kingston can turn to Magical Credit for all their needs when it comes to personal loans, as well as bad credit loans as well. We accept all government subsidies, from pensions to maternity leave and child tax credit. 

Read more about the types of income we accept.

Magical Credit Loans Magical Credit provides loans for people with bad credit. If you need money fast, apply for Magical Credit bad credit loan and get up to $20,000! 2024-02-28 PT1M01S

Qualify for a Short-Term Personal Loan Online

Applying for your personal loan is fast and easy for Kingston residents when working with Magical Credit. Your cash loan comes to you with a quick approval process and an even quicker application, and we can secure your short-term loan as soon as one business day after applying, deposited directly into your bank account.

Why Magical Credit Loans?

Canada’s Personal Loan Leader

Rely on our team at Magical Credit for access to the personal loan you need to build towards a better future.

Easy Online Loan Application

Our quick and easy application process helps you save valuable time out of your busy day. All we need is for you to fill in some basic information, and we’ll handle the rest.

Super-Fast Loan Approval

Get your personal loan approved as quickly as possible when you work with our team. We make sure your funds are deposited to your bank as soon as 24 hours after you apply.

Responsible Lending

The first step in us securing your loan quickly and easily is to decide if we can approve your application. Once we’ve approved your application, you can then be sure that we really do trust in your ability to make good on your commitment.

We Make Repayment Simple

Our trustworthy system will help you rest assured that staying on top of your repayment schedule will be a smooth and easy process, with no hidden surprises.

Your Privacy Matters

Our online services keep your private information completely between us with our 100% secure guarantee.

over 5,000
4 out of 5 stars
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How Our Personal Loans Work

With Magical Credit, get a streamlined approach to lending, and consult our simple monthly repayment calendar to start your loan process. If the number you enter for what you want to borrow, along with your repayment term, are low enough for you, applying from any computer or mobile device is as easy as ever. 

In as little time as 24 hours, we will get back to you on your approval status for your personal loan after evaluating your income and credit history. 

After approval, get your cash almost instantly, and start using our easy repayment calendar to make your payments.

Our Loans Open Up Possibilities

All it takes is a small personal loan to open the door to a brighter future.

  • Handle unexpected expenses: It’s impossible to predict disasters, from medical emergencies to failing equipment. With your personal loan, be safe in knowing that you have the cash you need on hand to deal with any problem. 

  • Boost your credit rating: The best way to add an extra boost to your credit rating is by proving you can repay the loans you take out. Get started today with our easy repayment calendar. 

  • Upgrade your education: Use your new personal loan to master a trade or take a college course to become a more appealing candidate for employers. 

  • Buy a car (or repair the one you’ve got): It can be a challenge holding onto work without the access you need to a car you can trust. With your new personal loan, you can put down a payment on a new car.

Where the Magic Happens

Although our head office is located in the GTA, we provide bad credit loans almost everywhere in Canada! If you live in one of the following provinces and territories, then get ready to learn why Magical Credit is the Canadian bad credit loan leader:

  • Ontario
  • Alberta
  • British Columbia
  • New Brunswick
  • Newfoundland
  • Nova Scotia
  • Nunavut
  • Prince Edward Island
  • Yukon

We Lend Responsibly in Kingston

As specialists in personal loans and as Canadian lenders, we care about making sure your finances will be easy to manage. We comply strictly with all of Canada’s federal and provincial lending regulations, and we are dedicated to guaranteeing that each loan we approve is offered to someone who has proved their ability to meet their repayment obligations. 

Magical Credit is here for residents of Kingston to help you make your process as easy as can be. 

About Kingston

Kingston has a population of just over 132,000 residents, making it one of Ontario’s more peaceful and remote cities, despite a bustling social life. Between Lake Ontario, St. Lawrence River, and the Catarqui Canal, Kingston is the largest municipality in Southeastern Ontario, and is between the major cities of Toronto and Montreal. The city is nearby the Thousand Islands region towards its eastern side, and features many heritage buildings made of local limestone. 

From its major industries to its more specialty services, the residents of Kingston need access to quick loans and financial security that they can trust to be there for them. Throughout Kingston, there are a variety of major branches of banks, including Scotiabank, TD Canada Trust, and RBC Royal Bank, along with locations for others, such as BMO Bank of Montreal. Magical Credit is here to bring Kingston residents the financial services and security they deserve. 

Lending Money 7 Days / Week in Kingston, ON 


Magical Installment Loans: We offer installment loans in the amount of $1,500- $20,000 that have a 12-60 month term with an APR 19.99% min - 46.8% max. On $1,500 borrowed for a 1 year term at 3.9% per month, the total cost of borrowing including a $194 fee is $896.00. The total amount to be paid back with interest and fee is $2,396.00. AB License #349796 and BC License #83626

NOTE: Our installment loans are open, so 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.

Magical Cash Loans - Ontario, British Columbia, Northwest Territories, Nunavut, and Yukon Residents only: We offer Magical Cash Loans in the amount of $100-$1,500.00. The cost of borrowing is $15.00 per $100.00 for each $100.00 borrowed. On a $1,000.00 loan for 14 days, the cost of borrowing is $150.00. The total to payback is $1,150.00 which is an annual percentage rate of 391.07%. ON License #4741412. BC License#85919.

The 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 will impact your future credit with Magical Credit Inc. and other credit lenders. All delinquencies will be reported to the Credit Bureaus.

1376 people applied for a loan with us in the last 7 days
167 people applied for a loan with us in the last 24 hours