Are Your Teeth As Poor As Your Credit? Apply For A Bad Credit, Dental Loan In Just 5 Minutes!

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Dental Loans To Fill Your Financial Gaps

Dental Loans – unsecured personal loans that help fund expensive dental procedures (normal or emergency) or cosmetic work, for which the borrower cannot afford a large, upfront payment.

Dental work is an expensive but essential investment for your health and hygiene.

Sometimes it’s unavoidable, like an emergency root canal or fillings. Sometimes it’s unnecessary, such as cosmetic dentistry or gum lifts. Regardless of why you need dental work, you’ll be brushed away by banks if you’re looking for a dental loan with bad credit.

We offer dental help for low income households through our bad credit, dental loans in Canada. As high-risk lenders, we specialize in short term, loans for dental work with easy approval, helping you resolve your dental issues without worrying about financial ones.

Unlike taking out a tooth, taking out a dental loan with us is fast and painless – our online application takes just 5 minutes to complete!

I want to borrow:


Dental Financing With Magical Credit’s Dental Loans

Financing dental work with our dental loans offers the flexibility of using your funds as you see fit. Apart from dental services, our loans for dental work can be put towards your living expenses, freeing up finances to invest in your teeth.

A Loan for Braces: We’ll give it to you straight – getting a loan for braces with bad credit is easier than remembering to floss every day. Our dental loans for bad credit applicants are perfect to make your teeth, well, perfect. 

Cosmetic Dentistry: A stunning smile provides priceless confidence in your work life and personal life. It’s not for everyone, but if you’re looking to upgrade your smile, consider applying for a dental loan with us.

Emergency Dental Work: Beer leagues are abundant in Canada, and whether it’s baseball or hockey, you’re putting your teeth on the line every game. You can start dishing out some retaliatory elbows with the comfort of knowing your dental work’s covered with a bad credit, dental loan.

Cleaning & Check-ups: Financing dental work can come in the simplest form of your regular cleaning, or your annual check-up. Both are important to your teeth and mouth’s long-term health. A dental loan can ensure you never miss an appointment!

Dental Loans FAQs

How long do I have to pay back my bad credit, dental loan?

The pay period for our dental loans is between 12-60 months.

What’s involved in getting a loan for dental work?

If you’re receiving a minimum of $1,200.00 monthly, and your income is direct deposit, you may qualify for a dental loan with us.

Now, all you have to do is fill out our online application! It should take approximately 5 minutes to complete. We’ll respond to you within one business day. We don’t determine eligibility based on credit score, but your overall credit report.

If I’m 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 dental loan, too.

How long will it take me to pay off my dental loan or loan for braces?

You can use our short-term loan calculator to figure out your monthly loan payment schedule!


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 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!


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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