I know I needed money to visit my family and I had to travel to their town. Luckily, I got over the disappointment of not getting the amount I requested, it gave me an opportunity to be resourceful a... Toon meer
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Lees wat reviewers zeggen
Im glad I found Magical Credit without hesitation,they provide me a loan that helped me during my emergency situation ,after payment,reloan and you will even get an increase Thank you so much
The customer service is always professional. They make sure everything is done to satisfaction the time the loan is processed. You are made to feel like you’re more than a client which makes fo... Toon meer
Bedrijf heeft geantwoord
My experience was absolutely wonderful from the start to the finish. I did not have to wait. The application process online was flawless. Then a representative called me and explained about the entire... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Welcome to our official Trustpilot page! Whether you're managing unexpected personal expenses or looking for working capital to scale your business, our family of brands provides tailored, transparent financial solutions built around your needs. Our Family of Brands: Magical Credit (magicalcredit.ca): Flexible personal and installment loans featuring predictable payments and accommodating criteria to give your budget breathing room. Magical Business (magicalbusiness.ca): Merchant Cash Advances tailored for small and medium enterprises, offering flexible upfront capital that adapts to your daily sales. Magical Cash (magicalcash.ca): Fast, secure, and confidential short-term payday loans to bridge the gap before your next paycheck. Our Commitment to You We prioritize clear terms, fast decisions, and simple online processes with zero surprise fees. Your honest feedback helps us continuously improve our services and helps future customers make informed financial decisions. Have you used one of our services recently? Please share your experience below!
Contactgegevens
970 Lawrence Ave W #402, M6A 3B6, North York, Canada
- +1 855-639-6888
- info@magicalcredit.ca
- magicalcredit.ca
4,6
Uitstekend
319 reviews
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Heeft 100% van zijn negatieve reviews beantwoord
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Good friendly service and fairly easy…
Good friendly service and fairly easy application and funding process
4 september 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you so much for the review, Ian! Have a Magical weekend ahead.
Easy to apply and money within an hour…
Easy to apply and money within an hour usually from applying.
6 september 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you for this, Kim. We hope we managed to improve the experience you had with us. We've been working tirelessly on increasing the approval and processing speed of all applications. Have a Magical weekend ahead.
Antwoord van Magical Credit
Thank you so much for the review and the 5 stars, Denise! Have a Magical weekend ahead.
Very convenient when you have a real…
Very convenient when you have a real emergency kudos and bravo well done
1 september 2026
Review zonder uitnodiging
Antwoord van Magical Credit
We're trying to be as convenient as possible, Brian! We're glad you enjoyed the experience with us. Have a Magical weekend ahead!
Magical credit were fast and helpful…
Magical credit were fast and helpful right away whether you have bad credit or not they always help. Thanks Magical Credit🤙🤙
31 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
It's always a pleasure, Manyang! Thank you so much for the 5 stars, and have a Magical weekend ahead.
Once we got everything sorted it was…
Once we got everything sorted it was great. I thank you for your help.
30 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thanks for the review, Leah. I hope what we had to sort out wasn't too much of a hassle for you. Feel free to reach out to us if you feel there's anything we should improve. In the meantime, have a Magical weekend ahead!
Was very easy to borrow money from this…
Was very easy to borrow money from this place. I’ve been a customer for a little while. They’re all good. They understandable people.
21 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
That's great to hear, Gio. We're constantly working to make our processes as simple as possible. We're glad you chose to borrow from us. Have a Magical rest of your day!
Excellent service always!
21 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you so much, Emilve! It's an honour to have you with us. Have a Magical weekend ahead!
I don't do payday loans anymore but…
I don't do payday loans anymore but always get emails from these guys.
Payday loan trap is a bad idea.
I applied anyway to see the rate.
If I wanted a decent rate or company, I would choose someone else.
Not impressed
14 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Pat, thanks for taking the time to leave us a review. We must first make it clear that part of our lending criteria is aimed precisely at not letting our customers get trapped in the payday loan cycle. We're always working to make sure our loans don't overburden applicants with debt; that's why, sometimes, we may be seen as stricter than other lenders. Regarding our interest rates: they are within Provincial and Federal guidelines. We know it may seem high at first glance, but you have to remember that payday loans are meant to be a quick funding option to help people fulfill their financial obligations until their next payday. We thank you again for the review and hope you find the funding help you need. Have a Magical week ahead!
Antwoord van Magical Credit
Thanks, Carol! We're here for you should you need any help with your current loan. Have a Magical rest of your week!
I’m so glad I found this site and very…
I’m so glad I found this site and very easy, safety and trusted, I highly recommended to my friends and family, thank you for the opportunity to get the easy loan. Keep it up!
18 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
It's been our absolute pleasure, Spoiledbratzmau! If you ever need any help with your current loan or anything else, please don't hesitate to contact us. Have a Magical rest of your day!
Quick response
Quick response. Easy process. Received money fast.
15 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thanks, Billy, for taking the time to leave us this review. Have a Magical weekend ahead!
They we're very helpfull and efficient…
They we're very helpfull and efficient with they're approval
14 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Ganesh, thank you for that! We're happy that you chose Magical Credit for your financial needs. Have a Magical weekend ahead!
I am and Have always been very very…
I am and Have always been very very happy with there amazing service. From start to finish very reliable. 24h. Never had any issues. In any emergency. I definitely recommend them.
Thank You for having and giving a chance to be a customer.
Thank you for your amazing customer service as well. Thank you
15 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Hi NP, we're happy to hear about your experience with us. Thank you for this lovely review. Now, if you ever have any issues or need any help, don't hesitate to contact us. We'll be more than happy to help in any way we can. Have a Magical weekend ahead!
Service
The service is quick!! They answer phone if you have any questions and their online application is straightforward But when I tried to apply for a reloan I wasn't able to get the amount required which on previous contract it said I was allowed to.Felt that the loan trust t was a bit misleading.
13 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Dujohn, thank you for the kind words! Now, to address your complaint: in the loan agreement, we always provide information on what the maximum is - by law - that we are allowed to lend to a given customer. That maximum is 50% of how much the applicant makes on any given payday. Having said all of that, the actual amount we are lending is left to the underwriter's discretion. We take a variety of factors into consideration when deciding whether to approve an applicant or not. If you would like to discuss your specific situation, feel free to give us a call, and we can talk about it. In the meantime, have a Magical week ahead!
Extremely Unresponsive
after months of trying to get answers from their misleading advice, I am now trying to schedule a court hearing and they still will not rspond.
5 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
We take customer concerns seriously and are currently addressing this matter directly through the Better Business Bureau process under complaint #24827620.
Our records indicate the loan was issued on November 7, 2025, with a due date of November 14, 2025, and was not repaid until May 30, 2026. Based on our review of the account, no refund is owed.
As this matter is under formal review, we will continue communications through the Better Business Bureau process only and will not be discussing account details on public platforms.
Thank you, Magical Credit
Awesome
Thank you so much, Magical Credit Inc. you guys are always so supportive and helpful whenever I need a small loan. I’m so grateful you all exist. I share your info to anyone who asks for loan recommendations
1 augustus 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Oh, that's great to hear, Geoffry! We appreciate the review and the word of mouth. It's been a pleasure having you with us. Please don't hesitate to contact us should you need any help with your current loan. Have a Magical rest of your week.
Easy to apply and great service.
31 juli 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thanks, Customer! And thank you for choosing Magical Credit. Have a Magical rest of your week.
My experience with Magical is really…amazing!
My experience with Magical is really magically amazing.
I deeply appreciated all their efforts and concerns in letting my loan reached my hands.
Thank you so much.
28 juli 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you so much for this, Lily! We're working to make everyone's experience as Magical as possible. We're happy that you chose us. Have a Magical rest of your day.
Amazing
Amazing! Very good company and willing to work with you if your payday is a few weeks away!!
Highly recommended!!
24 juli 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you so much for the amazing review, Don! We appreciate the recommendation, and we're honoured that you chose Magical Credit to help with your financial needs. Have a Magical weekend ahead.
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