Do you currently have a loan with us, but still need a little help to pay that one bill?

Magical Credit is here to help! We want to make sure our loyal customers are taken care of.

Submit your current bill to us, and we’ll draw a random unpaid bill every Friday in the month of February. Each winner will have their entire bill paid by us!

Don't wait - contest starts February 1st and ends February 28th.

Please submit your bill to

Good luck!

*Conditions- Current borrower must have made 6 payments on time for their loan. The bill submitted must be in the borrower's name, with a maximum value of $500.00. Magical Credit will pay the bill directly. Magical Credit will contact the winners every Friday by phone. If we cannot get ahold of the winner within 48 hours, another winner will be selected. Only 1 bill per borrower will be accepted. Due to privacy, we will not be posting the winners names, but we encourage the winners to let their friends and family know about Magical Credit through our Referral Program or on social media.

Our loans are considered short-term loans and have up to a 12-24 month term with an interest rate of 3.9% per month.
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.