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Broke Until Your Next Paycheque? Don’t Go To A Payday Loan Company – Take Out An Employment Loan From Magical Credit!


Bad Credit, Employment Loans In New Brunswick

You’re strapped for cash until your next paycheque. Going to the bank is out of the question since you’ve never even had a credit card, and payday loans are akin to flushing cold hard cash down the toilet.

You could ask your boss for a cash advance loan, but do you want to owe money to a person who’s already in charge of your employment?

Employment loans from Magical Credit can solve your financial dilemma. We don’t weigh candidates solely on credit score like banks do. Our loans are open—meaning you can pay them off early without being charged a premium.

We offer bad credit employment loans to Fredericton, Moncton, Saint John, and the rest of New Brunswick!

Make sure you can keep up with our employment loan repayment terms and calculate your payment schedule with our short-term loan calculator!

I want to borrow:


How Employment Loans In New Brunswick Can Fit Your Needs:

Kitchen Appliance Replacement: Fresh lobster isn’t so fresh when you’re relegated to microwaving it. You deserve delicious, cooked meals—even if you’re strapped for cash. An employment loan will get your oven up and running!

Petty Cash: You’ve got a hockey weekend planned with your pals filled with shinny, bar-hopping, and room service! But you hit a financial snag, and your bank account felt the brunt of it. Take out an employment loan in New Brunswick so you can enjoy your big weekend!

Dental: Your aforementioned hockey weekend got a little rough on the rink. A high stick took out your two front teeth, and now you need emergency dental surgery. Sadly, dental isn’t covered by your employment benefits, so take out an employment loan and get your teeth fixed!

Consolidate Your Debts: Having a hard time with multiple credit card balances, and remembering when to pay them? Simplify your life by taking out a loan for debt consolidation in New Brunswick, and turn your nagging debts into a simple Magical Credit loan.

Employment Loans In New Brunswick: Frequently Asked Questions

If I am earning a consistent paycheque, why is it better to get an employment loan in New Brunswick instead of a payday loan?

Payday loans cost up to $30 per $100 borrowed, while Magical Credit’s employment loans have a fixed monthly interest rate of 3.9>#/b###. Our loans are open, meaning you can pay them off early without the lofty premiums charged by payday lenders.

What’s the longest employment loan term Magical Credit offers?

Our loan terms are between 6-24 months.

What do I provide as valid proof of my income?

All you need to provide are two recent pay stubs and a bill to your current home address.

What’s the minimum income I must earn to be eligible?

As long as you earn at least $600.00 via direct deposit by traditional or non-traditional means, you may be eligible for a Magical Credit employment loan.

How do you weigh applicants if you approve low credit scores?

We weigh a candidate’s overall report of credit. Bankruptcy, current consumer proposal, and current loans in collections are also weighed in the approval process.

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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