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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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
I’ve been having a loan from them anytime I’m in need of funds and they are very accommodating and easy to deal with. I’m so glad that I’ve found them. I gladly recommend to anyone esp those who ar... Toon meer
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
323 reviews
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Antwoord van Magical Credit
Thanks, John! That's exactly what we're going for: quick and easy. We're glad it worked for you as well. Have a Magical week ahead.
Merci beaucoup ,Magical Credit Inc ✨️…
Merci beaucoup ,Magical Credit Inc ✨️ for the Magical experience had.
Easy to access , simple to apply helpful, Magical and professional customer service, ready to help and understand your financial needs. Try and see.
Magical credit is just magical .
Magical credit Inc C'est Fantastic ✨️
29 januari 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Merci, Kstone! We're happy to have delivered some of our magic to you. If you ever need any help with your current loan, don't hesitate to contact us. We're here to help. Have a Magical week ahead!
Simple application
Its simple self explanatory. Fast and its great when your in a bind .
27 januari 2026
Review zonder uitnodiging
Antwoord van Magical Credit
That's great to hear, Jerrod! Thanks for taking the time to leave us the review. Have a Magical week!
Fast efficient and easy to access.
24 januari 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thanks, Lorraine, for taking the time to leave us this review. We already contacted the agent who dealt with your file, and they were thrilled to hear about it. Have a Magical rest of your week!
Fast approval and the staff are very…
Fast approval and the staff are very good. I reccomend Magical Credit to those who need a financial.
22 januari 2026
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you so much for the review, Walter. Our team was so happy to hear about it. Have a Magical rest of your week!
Easy and painless experience
Easy and painless experience! I will definitely be using again in the future!
15 december 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Thank you so much, Sam! We're happy to have you with us. Have a Magical day!
Antwoord van Magical Credit
Thanks, Bob! We're glad you chose us to help with your financial needs. Don't hesitate to get in touch with us if you need any help. Have a Magical week ahead.
They make it so painless
They make it so painless. On my end 5 minutes, and just sit back and wait for your deposit and it's quick
12 januari 2026
Review zonder uitnodiging
Antwoord van Magical Credit
That's exactly what we're going for, Rick! Thanks for choosing Magical Credit, and thank you for leaving us this review. Have a Magical week ahead!
Antwoord van Magical Credit
Thanks for dropping this review, Adam! We're trying our best here to deliver the fastest service around. We know speed is of the utmost importance when people need quick loans. We appreciate you taking the time to share your experience. Have a Magical weekend!
Antwoord van Magical Credit
Thank you so much for the review! We would love to hear any feedback that could get us those 5 stars. Feel free to get in touch with us if you feel that anything in your experience wasn't on par with what you expected. Happy Holidays!
this company magical credit
this company magical credit, its hope for nothing after they get your all the information, they will say you are denied for loan.they used very delayed tactics to get your all information.
7 november 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Daryl,
We're sorry for not making the process as clear as it could be. I can assure you, we're not trying to get customers' information to not approve them. We're approving 100's of clients daily, but we can't approve anyone. If you would like to discuss your specific case, don't hesitate to give us a call, and we can discuss it.
Was in a pinch
Was in a pinch, needed super fast emergency funding. Applied online, they said quick approval. After waiting over 5 hours and hearing nothing I called for a status update. The lady on the phone was very hard to understand, she talked a mile a minute and was very rude. She ended up telling me that my application had not yet been review but that she would expedite it. An hour and 15 minutes later I received an email saying I was approved. They are capable of lending up to 50 percent of my income, they approved me ( even still telling me this was 50% of my income) what was equal to only 10 %. And not nearly what I needed or requested. I borrowed anyway and figured out the rest that I needed. Then come the days the payments are due they process early and it comes out before my pay hits my account. Sending me into overdraft for a very short time until my pay hits the account. THEY WORKED FOR ME SOMEWHAT IN A PINCH BUT I AM SO DISGUSTED WITH THE SERVICE AND THE ENTIRE EXPERIENCE I WILL NEVER EVER CONSIDER THEM AGAIN SHOULD I HAVE ANOTHER EMERGENCY
25 oktober 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Dianne,
Unfortunately, I can't locate your file in our system to understand what exactly happened. Maybe you applied with a different last name? In any case, in the past few weeks, there were some days when we were a little behind on applications - November is when our busiest time starts. We are working around the clock (literally, since we're now funding loans 24/7) to improve our services as much as possible. We've hired new staff recently to be able to service our clients the best we can. Now, in terms of approval amounts, that varies on a case-by-case basis. Legally, we can only lend a maximum of 50% of what customers receive on any pay date (not the monthly income), but the amount we will actually lend depends on other variables. In regards to your due date, that is something that we can tweak on our end; our payments are pulled early in the day, but that doesn't work for all clients, so we have some degree of flexibility on that end. If you would like to discuss your experience with us, feel free to give us a call.
Great Experience
They're like working with someone you know. They are friendly, flexible and very helpful. I've used them a few times, and it has been nothing but positive.
24 oktober 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Thanks, Valued Customer! We're doing our best here. Thanks for taking the time to leave this review. Have a Magical day!
Beware
I was speaking to a representative how to reloan she informed me she had my payment but you have to wait for ACH which takes a payment to clear 3 to 5 days which she already confirmed my loan was payed I know it can take 2 to 5 days for a funds to be received but this is fishy when a company has the funds already and telling you there's another process
21 oktober 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Trent,
I would like to apologise for our communication mishap. ACH payment does take 3 to 5 days to clear and from what I checked, our representative gave you incorrect information: we haven't received your payment when you spoke with them. When a payment clears, clients receive a confirmation email and that's a 100% automatic process. If we haven't received the email at that point, that meant we haven't received your payment. I'm sorry about the confusion.
Needed some quick cash
Needed some quick cash to get me through. Once I sent all documents, it was no time before I had my loan. Quick and painless. I will go to them in future.
11 september 2024
Review zonder uitnodiging
Antwoord van Magical Credit
That's great to hear, Gordo! We'll be more than happy to help you again should you need it in the future. Have a Magical day!
For those who needed cash in a flash and don't where to go, try Magical Credit. And you will see real Magic.In less than an hour, I pay off my loan and reloan fast and professional.
Loan pay off and reloan in less than an hour. This is why they are call Magical Credit.
24 juli 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Good Morning Paul - Thank you for the 5-star review and kind words - THIS IS WHAT WE DO :) Have a MAGICAL Monday!
Only because they email u saying that…
Only because they email u saying that they can't help u but tell u too click on a link below ur email and we'll there scam sites so please don't do that to people it's rude and unprofessional
25 juli 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Good Morning Maire - Thank you for the review. We would like to get more information, we're a licensed payday lender, we do not work with any partners that have scam sites. We take this very serious. Our Director would like to hear more about this, please give us a call and ask to speak with the Director and he will resolve the issue you experienced. We look forward to hearing from you and have a MAGICAL Monday :)
Really bad experience
Really bad experience, scammer’s. I took a loan on Thursday (6/12)of $300 which I had to repay on the following Thursday (6/19)for $342. On that day I needed to re loan for one more week, they told me that they have to wait till the money hits their a/c which takes 3days or else I could e-transfer the amount and they will cancel the bank withdrawal which I did and got the 2 loan for $400 which I need to repay in 7 days. But they process the payment and got debited $342 again so in total I paid $684 for a $300 loan and the refund will be after 3 days which is on Wednesday and I got to repay the $400 plus interest on Thursday now I have to pay the interest for the money they have ,Never ever these guys. Don’t e-transfer the amount they will take the amount twice.
19 juni 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Good Morning - we're sorry to hear that you had a bad experience with Magical Credit. We're known for providing exceptional service to our customer who need quick, fast cash for their needs. We welcome you to give our offices a call and speak to a Manager who can review your situation. Thank you and have a MAGICAL Wednesday
Antwoord van Magical Credit
Thank you so much, Julian! We're doing our best here - we're glad you like it! Have a Magical weekend ahead!
Magical Credit used to be great
Magical Credit used to be great! Now they've pivoted and turned themselves into another scummy payday loan outfit.
27 mei 2025
Review zonder uitnodiging
Antwoord van Magical Credit
Hi Matt,
Thanks for your honest feedback. We're sorry to hear you feel this way about the recent changes.
Unfortunately, we had no choice but to pivot our lending options due to federal regulations. We tried to do our best!
Our goal remains to offer fair and accessible lending options, and we never want our customers to feel anything less than the respectful and transparent service they deserve.
Thanks again.
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