Get the Credit You Deserve! Apply for a Short Term Loan with Magical Credit.

If you’ve applied for a loan at your local bank with no luck, turn to Magical Credit. As a private lender, our short term loan requirements are less harsh. We specialize in lending to people that banks overlook, including people with bad credit. To qualify for a short term loan from Magical Credit, applicants must be employed for 6 months.

Calculate Your Short Term Loan Payments

We approve cash loans between $500 and $10,000 depending on your income. You can opt for a 6, 12 or 24 month loan period, depending on how accelerated you would like your payments to be. Determine your loan payment amounts using this handy calculator:

I want to borrow:

< $500 >
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.
Terms and Conditions: (APR 23% min - 59.7% max) Loan amortization is between 12-24 months. 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 with impact your future credit with Magical Credit Inc. and other credit lenders. All delinquencies will be reported to the Credit Bureau.

Our Cash Loan Requirements

Magical Credit has a very straightforward online loan application. Unlike banks, which can have a laundry list of requirements for even a small short term loan, Magical Credit has 3 key requirements:

You have been employed for more than 6 months
Your income is direct deposited into your account
You have a history of paying off your loans

If this sounds like you, apply for a short term cash loan now. All you have to do is fill out a quick 5-minute application.

Contact a Loan Expert Now at 1-877-213-2088
or fill out our contact form for more information.