It may be easy to get a payday loan since payday loan companies don’t check your credit history, but they will happily rake you over the coals, and take you for a lot of money.
A few reasons Payday loans are a bad idea compared to an easy, personal loan for bad credit include:
Magical Credit’s Easy Approval Personal Loans have the distinction of being easy while also being a financially responsible solution to your cash troubles. Not only are Magical Credit’s easy loans for bad credit approved same day, but you’re only charged 3.9% in interest monthly, ensuring you don’t fall further into debt.
What makes our loans so simple? Our short-term, personal loan calculator calculates your payment schedule for you!
If you’re in need of Easy Application in any of the following provinces, we can help. Apply now!
Magical Credit accepts non-traditional forms of income; be it baby bonuses, disability pay, old age security and any other government-subsidized payments depending on where you live.
We will need 2 recent paystubs, and 1 recent bill to your current address.
We need your past 90 days’ bank statement, with your name and the last four digits of your account number.
Yes – the only provinces we do not lend to are Quebec, Manitoba, and Saskatchewan.
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!
If you’ve experienced anything like the above scenarios, you may need an easy approval personal loan. Use our short-term, personal loan calculator to ensure easy loan payments!
Whether you’re behind on bills, dealing with faulty appliances, or just need quick cash, Magical Credit’s Easy Approval Loans may be just right for you!
Our loans are considered short-term loans and have a 12-60 month term with a fixed interest rate of 3.9% per month.
Example: $1,500 borrowed for one year at 3.9% per month. Monthly payments are $199.05. Total payback with interest and fee of $194.00 is $2,388.54.
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.