Our Products

Whether you are looking to cover unexpected personal expenses or need working capital to grow your business, our family of brands has a tailored financial solution for you.

Magical Credit

Installment & Personal Loans

Flexible personal loans designed to give you breathing room. Whether you're consolidating debt, handling emergencies, or planning a major purchase, our installment loans offer predictable payments to fit your budget.

How It Works:

  • Fixed Payments: Enjoy predictable monthly schedules with no surprise fees.
  • Flexible Requirements: We offer accommodating lending criteria designed to help more people access the funds they need.
  • Fast Funding: Get approved quickly and receive funds directly in your bank account.

Predictable Installments

Take control of your finances

Magical Business

Merchant Cash Advances

Empowering small and medium-sized enterprises with the capital they need to grow. Our Merchant Cash Advances provide upfront capital based on your future sales, completely adapting to the natural flow of your business.

How It Works:

  • Revenue-Based Repayment: No fixed daily or monthly payments. We take a small agreed percentage of daily sales.
  • High Approval Rates: We look at the health of your business revenue, not just your credit score.
  • Use Funds Freely: Buy inventory, upgrade equipment, or handle payroll—the choice is yours.

Grow Your Business

Funding that flows with you

Magical Cash

Payday Loans

When you need cash immediately to bridge the gap before your next paycheck, Magical Cash is here to help. Fast, secure, and confidential short-term loans designed for ultimate convenience.

How It Works:

  • Simple Online Application: Apply from anywhere using your phone or computer in minutes.
  • Instant Decisions: Receive an answer right away so you know exactly where you stand.
  • Repay on Payday: The loan is automatically repaid when your next paycheck arrives.

Fast & Convenient

Money when you need it most

Disclosures:

Magical Installment Loans: Installment loans are available to eligible residents of Ontario and range from $1,500 to $20,000. Repayment terms range from 12 to 78 payments, with flexible payment schedules available as weekly, bi-weekly, semi-monthly, or monthly. 

Example: A $5,000 loan repaid over 36 monthly installments would require payments of $300.40 per month.

NOTE: Loan amount and payment amount are subject to change upon final loan approval. Interest rate for Personal Loans is calculated at 34.86%. The Repayment amount includes optional Loan Protection Plan coverage.

Magical Cash Loans - Ontario, British Columbia, Alberta, 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 $14.00 per $100.00 for each $100.00 borrowed. On a $1,000.00 loan for 14 days, the cost of borrowing is $140.00. The total to pay back is $1,140.00, which is an annual percentage rate of 365.00%. ON License #4741412. BC License#85919 AB License#358423.

The Loan must be paid in full by the end of the term, with no extensions or exceptions, and 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.

Our Family of Brands: Whether you need personal funding, business advance, or short-term cash support, our family of brands offers financial solutions designed to fit your needs.

-Magical Credit: Personal Loans and Installment Loans available through Magical Credit.
Apply Now: https://www.magicalcredit.ca

-Magical Business: Merchant Cash Advances and business funding solutions available through Magical Business.
Apply Now: https://www.magicalbusiness.ca

-Magical Cash: Payday Loans and short-term cash solutions available through Magical Cash.
Apply Now: https://www.magicalcash.ca



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