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Get Approved For A Bill Payment Loan In Nova Scotia In 5 Minutes Or Less!

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Bill Payment Loans In Nova Scotia

Life can be pricey. Unemployment is on the rise, and it seems like everything is more expensive than ever. After a couple of late payments, you find yourself buried under a heap of bills, interest rates, and stress.

How you supposed to climb this seemingly insurmountable mountain?

Magical Credit is the answer. We offer bad credit, bill payment loans to people who need help paying bills. Whether you need to consolidate your debt to make it more manageable, or pay it off immediately so you can forget about it once and for all, we can offer you a loan that will help you take back control of your finances.

Just fill out our online application and in just 5 minutes, you can be approved for a bill payment and consolidation loan!

I want to borrow:

$500
$10,000

Why I Might Need A Bill Payment Loan

  • I can’t pay my bills: Need help paying off debt? It’s no surprise, with Nova Scotia having the second highest electric rates in Canada. Don’t stress, because we can help you consolidate and pay off your bills.
  • You need a car: You’d like a new job, and a fresh start. But you need a new car if you’re going to start looking for a new job. Let us help you lease or finance a car, and empower you to broaden your horizons. Your future self may thank you.
  • Phone and internet bills: The average price for a Halifax family phone plan is $250 monthly. The average in Canada is $232. While we’re not mathematicians, we can deduce that we Nova Scotians will have a harder time with our phone bills than most of Canada. Luckily, Magical Credit exists in the Maritimes to soften the blow.
  • You need a vacation: Because we live in beautiful Nova Scotia, a local vacation is very desirable. But that doesn’t mean it won’t cost a lot – it just means that with a bill payment loan from Magical Credit, it won’t cost as much. Might we suggest Advocate Harbour?
  • Consolidate your debt: When bills start to pile up, getting out of debt might seem more and more improbable. Consolidate all your bills into one manageable one with an affordable interest rate, and take control of your finances.

Frequently Asked Bill Payment Loans Questions

I need help paying off debt, but I’m unemployed. Should I apply?

Yes, you should! We accept government subsidies as a sort of income, so being unemployed doesn’t immediately make you ineligible.

Will my debt loan application definitely be approved?

No, but we have made the requirements to take out a bill payment loan lenient. As long as you are making $600 monthly of direct deposit income, you may be eligible. A denial would be a result of a history of inability to pay back loans, current bankruptcy, or are currently paying back other loans.

I have a history of bad credit. Should I still apply?

We are high-risk lenders, meaning that we can help you get out of the large shadow that bad credit has cast over you for all these years.

I have defaulted on a payday loan before, but I really need help paying off my debt. Can I take out a loan?

If you have defaulted on a payday loan in the past, you are immediately ineligible for a loan from Magical Credit. We check your credit history, and, as much as we will take other things into consideration for your credit score, we can’t make exceptions for those with a history of unpaid loans.


Need an emergency 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!

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.

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