Our Team

Natalie Bell

Co-Founder & Chief Operating Officer

When we think of a visionary, one name comes to mind, Natalie Bell. From the beginning with just a vison and a pen, Natalie created and developed what Magical Credit was, is and will be in the future with the help of an amazing Magical team. The fintech world is comprised of multiple intricacies related to all areas of finance and technology and Natalie has turned these visions into actions.

 “Having an open mind and seeing beyond what is in front of our eyes allows us to try new things, create an environment that constantly encourages growth, and gives ample opportunity to the incorporation of innovation.” 

Natalie loves helping others out, spends time and resources in the development of numerous charities, and adores animals. 

“Mindfulness is fundamental in creating purpose and maintaining vision, so meditation can never hurt.” 

Business growth and development is key to the continued success of Magical Credit and Natalie is constantly generating new practices to the daily routine of the organization. 

Our Team

Mark Joseph

Co-Founder &
Chief Executive Officer

Vinicius Rocha

Data Expert


Financial Service


Team Lead,
Debt Resolution Specialist


Debt Resolution


First Impressions

Qualify For A Short-Term Cash Loan Now

Need a loan fast? Applying for a short-term loan from Magical Credit is simple and you can be approved for a cash loan in as little as 1 business day. All you have to do is fill out a quick and easy online loan application. Get approved for a loan fast. And abracadabra… we’ll deposit your short term loan directly into your bank account.


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.