Magical Credit operates in almost all of Canada and it calls, emails and texts hundreds of people daily. Communication is so important and because of that, we use a lot of different phone numbers and emails to reach you. There is no doubt that it is difficult to know if you are receiving a phone call or email from a fraudulent debt collector, or someone trying to get other information from you. If you see a missed call from any of the phone numbers listed below, rest assured that it is just Magical Credit trying to connect with you!
Our toll-free number is 1-855-639-6888, but customers may receive calls from many other numbers as well. Here’s a non-exhaustive list of phone numbers we use on a daily basis.
This is not a static list and we’ll be updating it as new numbers start being used.
You may receive a call from any of these numbers and it’s important to understand that it won’t be a scam. Scams, however, do occur. If, for instance, someone contacts you asking for any upfront fees for you to get a loan from Magical Credit, that is a scam.
We also use emails to communicate with clients and if you receive an email from any of the following addresses, there is no reason to be concerned about fraud. Our email addresses are:
Our Text number is 844-714-9304 when you receive a text message from us! You can also use this number to call us directly if you'd like.
To further enhance the safety of our client’s information, we report on an ongoing basis to both Transunion and Equifax – by the 15th of each month - to ensure that your credit is reported accurately and efficiently. Monitoring your credit is super important and if you ever notice any errors about your loan, let us know and we will get this FIXED immediately! We want to help you build your credit by reporting your positive payments. So remember, if you ever need to make an arrangement or update your account information, communicate with us to avoid your credit from being damaged!
If you feel you’re being targeted by a scam, be it through a phone call, email or text, don’t hesitate to put an end to the conversation and give us a call. You can call 1-855-639-6888 or email firstname.lastname@example.org and let us know.
Our loans are considered short-term loans and have a 12-60 month term with a fixed interest rate of 3.9% per month.
Example: $1,500 borrowed for one year at 3.9% per month. Monthly payments are $199.05. Total payback with interest and fee of $194.00 is $2,388.54.
NOTE: 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.