You’re underpaid, your bills are overdue, and you need money fast.
Magical Credit’s 24-hour easy loan approval is exactly what you need. We specialize in personal cash loans for bad credit applicants collecting low incomes. You’ll have cash direct deposited into your account right when you’re approved.
Best of all? It only takes 5 minutes to apply.
No, all of our loans have an interest rate of 3.9% per month.
Yes, our cash loans are available to applicants collecting government subsidies or any income from pensions and maternity benefits
We direct deposit your cash loan into your chequing account.
No, we only offer loans between $500 and $10,000.
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!
Our loans are considered short-term loans and have up to a 6-24 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.
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