See your Personalized offer from our partner Magical Credit

Qualify for a Short-Term Bad Credit Loan Online
We Give You the Credit You Deserve

Why Magical Credit Loans?

Canada’s Bad Credit Loan Leader
Bad credit can bring your plans to a grinding halt. We’re not here to judge your past, we’re here to help you build your future.
Easy Online Loan Application
Our five-minute loan application saves you serious time and travel.
Super-Fast Loan Approval
We’re not about making you wait. We work hard to get your bad credit loan approved and funds in your bank within 24 hours of your application.
Responsible Lending
We don’t approve every application because we want to make sure your Magical Credit loan doesn’t create more difficulties for you. If you’re approved, it’s because we truly believe you’ll be able to make good on your commitment.
We Make Repayment Simple
Staying on top of your repayment schedule is easy with our surprise-free system.
Your Privacy Matters
All of our online services are 100% secure, keeping your information where it belongs: between us.

How Our Bad Credit Loans Work

Bad Credit Loans - loans provided to people with poor or no credit history. These loans have higher rates than ordinary personal loans but are still cheaper than credit cards or payday loans.

Magical Credit’s approach to lending can be summed up in one word: streamlined. All you have to do to start the loan process is check out our simple monthly repayment calculator. Enter the amount you wish to borrow and your repayment term: if the number’s low enough for you, you can apply online from any computer or mobile device.

We’ll evaluate your income and credit history and let you know if you’ve been approved for a bad credit loan within 24 hours!

You’ll get your cash almost instantly, and you’ll be ready to begin making payments via our simple repayment calendar.