Need Help Paying Bills? Get Approved For A Bill Payment Loan In 5 Minutes Or Less!

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Bill Payment Loans In Canada

As life goes on, so does the list of everyone you owe money to. Internet? Hydro? Phone? Not only is it difficult getting the money to pay back all the debt you owe, it’s extremely stressful trying to keep track of everyone you owe money to! Wouldn’t it be nice to take that extra stress out of your life?

For debt consolidation and any kind of bill payment loans, let Magical Credit extend a helping hand. We look past your bad credit to help you get your life back on track. Best of all, you can be approved for your loans for bills payment and consolidation loans in just 5 minutes!

Need a personal loan to pay off bills, but aren’t sure you can keep up with the loan repayment terms? Calculate your monthly loan payment schedule with our short-term, personal loan calculator!

I want to borrow:


Why You Might Need A Bill Payment Loan

  • Hydro and electric bills – Be honest – have you ever thought twice about turning on your heating or AC in the house in futile attempts at keeping your electric bill as low as possible? Does it sound right that you can’t be comfortable in your own home? Luckily, this is a responsible way of being comfortable first, and thinking about the payments later.
  • Phone and internet bills – It’s pretty cold in this country, so the only surfing you can be doing is on the internet. So surf away my friend, surf away.
  • Weddings, vacations, or moving – For the help with bill payments that will move your life forward, you shouldn’t have to wait. Want to get married? Need a vacation? Need to relocate? You do your thing, and we’ll help make it happen!

Can I Get Pay Bills In My Province?

If you’re in need of a loan to help you with bill payments in any of the following provinces, we can help. Apply now!

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

Bill Payment FAQs

I applied an hour ago. How long does it take to get an email confirmation?

A- Once an application for a bill payment loan has been submitted, a Magical Credit representative will get back to you within a maximum of 24 business hours.

Is it guaranteed approval?

Although we can’t guarantee approval for loans for bill payment – seeing as each case is different – bad credit doesn’t mean that you are immediately ineligible. We do consider working income, government subsidies, and if you’re making $1,200 monthly, in addition to a direct deposit income. A denial would be a result of current consumer proposal default on loans, loans in collections, or bankruptcy.

Do you help people with bad credit?

Absolutely! We are a bad credit loan lender! That would include short term loans or long term loans, bill payment loans for debt consolidation or any other kinds of loans to pay bills. Therefore, we consider current consumer protocol, bankruptcy, and current loans in collections.

What’s the process to get a bill payment loan?

As long as you’re receiving a minimum of $1,200.00 monthly, and your income is direct deposit, you may qualify for a bill payment loan with us. All you have to do is fill out our online application! It takes approximately 5 minutes to complete. A loan officer will respond to you within one business day. Keep in mind, that although we don’t go off your credit score, we do take your overall credit report into account.

What’s the interest rate on personal bill payment loans?

Our interest rate is 3.9% monthly.

If I can only get approved for less than what I applied for, will I be notified? Or is it just a ‘no’?

We’ll let you know if you qualify for a smaller bill payment loan, too.


I am brand new to magicalcredit and it has been a pleasure talking to every representative. They are so polite and kind and it is great to have a number to call and get a response quickly. This is the start of a great banking/credit relationship. They have made my day and reignited my hope. Thanks magicalcredit!! Have a magical day!😁

Magical Credit is truly amazing! Their assistance has been a real lifesaver for me. The staff is incredibly friendly and supportive, and they made the entire process a breeze. I wholeheartedly recommend Magical Credit to anyone seeking financial help. They are the best!

The application is very fast easy quick it took me 10 mins to fill it out they responded to my application right away and I was approved in a matter of a couple hours. When talking to the agent she was very helpful and very clear on what they needed to approve my application. Thank you Magical Credit

Very fast and easy to get a loan I needed help and help was given right away . Very polite staff I was doubtful at first but in about 30 minutes was approved for more then I asked for. Which I can use because school shopping for more then one kid isn't cheap . I'd definitely recommend this company . Thank you so much

They made the experience easy and every person I spoke with which I think it was in total of four may have been up to 5 each one was knowledgeable more than willing to help as I am not the world's most tech person out there and even though I filled out some stuff wrong they contacted me right away to say hey we're having trouble with this can you help us out about why we're having trouble and got it sorted out within seconds just all in all a beautiful experience definitely five out of five

I had a great service! Staffs are very responsive and easy to talk to esp NATALIE! She's very nice and very professional, explained everything to me, I was approved for a loan but I needed a little more so she managed to have me approved for the amount I needed, also, It was very fast, i got the funds the next day! Thank you so much guys!

Great staff, fantastic service! Very reasonable interest rates and also flexible payment plans. Got my money promptly. These guys are simply amazing!

Need a bill payment loan, but aren’t sure you can keep up with the loan repayment terms? Calculate your monthly loan payment schedule with our short-term, personal loan calculator!


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.

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