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Easy Approval, Personal Loans In Newfoundland Can Get You Instant Cash! Apply Today!


Our Easy Approval Loans Meet Newfoundland’s Quick Cash Needs!

When you take out a payday loan with the intent of paying it off early, you’re charged a premium for your promptness. And all you’re trying to do is avoid the brunt of ridiculous interest rates that run as high as $30 for every $100 borrowed!

Unlike payday loans – which seem easy – Magical Credit’s easy loan approval process can improve your financial situation. You can pay our open loans off as easily as you were approved, without being charged additional premiums for early loan repayment.

I want to borrow:


How Easy Approval Loans Make For Easy Living In Newfoundland:

  • Consolidate Debt Bill Payments – Bills, bills, bills. They increase, while your paycheques stay the same. Get approved for a Magical Credit loan, and consolidate all of your accumulated bills into one manageable lump sum.
  • Vacation – You need quick cash for your yearly trip to Quebec, because a good poutine is worth any price. Take out a small, easy approval loan in Newfoundland so you can take your trip to the land of cheese curds and gravy.
  • Boat Repairs– The fish are biting more than ever, so a working vessel is more valuable than ever. Don’t let a lack of funds prevent necessary repairs—you can’t capitalize on a booming fishing season with a boat akin to a cardboard box.
  • Car repairs – A Ford with a blown engine requires immediate action. Our bad credit loans in Newfoundland are easily approved, making it easier to cover auto-repair bills.

Here Are Some FAQs About Easy Approval Loans In Newfoundland:

I’m currently unemployed. Can I still be considered for a loan?

Yes— having full time employment helps your application, but is not a requirement. Magical Credit accepts non-traditional forms of income such as EI payments, old age security, or Child Benefit subsidies, to name a few, as long as they are direct deposited.

How do I show valid proof of income?

Simple! We need two recent pay stubs, and one recent bill with your current address.

Do you offer your bad credit loans in St. John’s?

Yes—the only ineligible provinces in Canada are Quebec and Manitoba.

Is a bank statement from six months ago valid?

No—Magical Credit only accepts bank statements from up to 90 days ago.

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

1 Year
Interest Rate (46.8%)
Total Cost of Borrowing
Total Due End of Term
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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