I have used Magical Credit multiple times and it's because they provide fantastic service. If I have questions, they provide a response right away and whenever I need a loan, it's always processed qui... See more
Company replied
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Review summary
Created with AI, based on recent reviews
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Application and approval is so fast, when I signed my contract, few minutes ,fund is in my bank account. I’m now on my 3rd application. 3 installment payment plan, no additional fees, no hidden fe... See more
Company replied
I've used Magical several times and have to say they are friendly and very communicative. The detail everything in email form and it its easy to read and they include every link you need so its easy... See more
Company replied
Good company to deal with. Try to make transactions fast. Hate the waiting for preauthorized payments to clear 3-4 days. I would rather pay by e-transfer.
Company replied
Company details
Written by the company
Magical Credit provides cash loans to people with fixed income. Need a loan fast? Skip payday loan companies and get approved for an online loan now.
Contact info
970 Lawrence Ave W #402, M6A 3B6, North York, Canada
- +1 855-639-6888
- info@magicalcredit.ca
- magicalcredit.ca
4.6
Excellent
284 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Lies all lies
Lies all lies, they keep having pop ups on the website claiming that they have approved all these people for loans ....those are embellished and all lies. They make you believe that they're going to help they make you wait then they reject you. What a BS company shame on ALL OF YOU. A disgrace to decent Canadians that really need some financial assistance.
February 15, 2026
Unprompted review
Reply from Magical Credit
Hi G.C. Moose. We would love to understand exactly what happened with your application, but we have no information to find you in our system. Please get in touch with us so we can properly review what happened. Have a Magical week in the meantime!
Excellent experience
Excellent experience. Quick processing time. Always there when needed.
February 13, 2026
Unprompted review
Reply from Magical Credit
Thanks, Maria! We're happy to have you with us. Have a Magical week ahead!
Quick service and friendly customer…
Quick service and friendly customer support
February 6, 2026
Unprompted review
Reply from Magical Credit
Hi Philip! Thanks for the review and for mentioning our customer support - we're proud of it, and we're always working to improve it. Have a Magical week ahead!
Right now I am very disappointed with…
Right now I am very disappointed with Magical Credit. I paid my loan in full yesterday in the afternoon and applied to reloan and still havent received any reply from them even though I have sent them a few emails to see whats going on. They were never like this with me, as I have never missed any payments with them. I have always paid my loan in full, reapplied and they were quite fast in reloaning me. But now nothing and I am not even sure why. So I am quite disappointed with them...
February 6, 2026
Unprompted review
Reply from Magical Credit
Hi Banafsheh. I would like to apologize for the delay in dealing with your application. You should have heard back within a matter of hours (especially since you're a recurring customer), not days. We are bringing your review to the agents who were in charge of your file. We know how frustrating it can be when expectations aren't met. We are super proud of how we streamlined the lending process, but unfortunately, mistakes like these still happen. We're sorry for making you wait for as long as you did. We appreciate you taking the time to leave us this review, by the way, as reviews like yours help us review our processes and improve them. Have a Magical week!
I really like magical credit loans
I really like magical credit loans. They're fast and efficient with having your paperwork ready and sent back to you. I was applying during the night and was approved and had funds sent the same hour.
February 7, 2026
Unprompted review
Reply from Magical Credit
That's great, Adrian! Yes, we are now funding 24-7, and we're working relentlessly to make sure our services are always to the highest standard. Thanks for the review. Have a Magical day!
Easy and fast application
Easy and fast application, the app is also easy to navigate.
February 4, 2026
Unprompted review
Reply from Magical Credit
Thanks for the feedback, K M! We're glad to have you with us. Have a Magical weekend!
Reply from Magical Credit
Thank you for choosing Magical Credit! Have a Magical weekend ahead.
This is my first time to make a loan…
This is my first time to make a loan like this and I did not expect that they will give me a chance so easy to get the money that I loan from them. I really appreciated that thank you and more power
February 3, 2026
Unprompted review
Reply from Magical Credit
We're happy to help, Felipe! Don't hesitate to reach out should you need any help with your current loan. Have a Magical day!
I'm very quick and easy
February 3, 2026
Unprompted review
Reply from Magical Credit
Thanks, Philip! We appreciate you taking the time to leave us the review. Have a Magical rest of your day!
Great service!!
I have used Magical's loan service multiple times now and have found them to be excellent! From application to approval was a very quick and smooth process. I would highly recommend them! Thank you Magical!!
February 1, 2026
Unprompted review
Reply from Magical Credit
Hi Carol! It's always great to hear from repeat customers. We're glad you had a good experience with us and decided to return. As you may already know, we're always here to help in any way possible, so don't hesitate to reach out to us. Have a Magical week!
Well from the application to receiving…
Well from the application to receiving my funds to the very fair charges it has been a great experience and I highly recommend them to anyone who needs quick financial help they are the best I've come across.
February 2, 2026
Unprompted review
Reply from Magical Credit
Thank you so much for sharing your experience with us, Michael. We're trying our best here to deliver stellar service, and we're glad you liked it. Have a Magical week ahead!
It was very fast and easy to get the…
It was very fast and easy to get the money I needed! Highly recommend Magic!
January 30, 2026
Unprompted review
Reply from Magical Credit
Thank you so much for the recommendation, Jack! We're glad we could manage to help you out. If you need any assistance with your current loan, we're here to help! Have a Magical day!
Reply from 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 ✨️
January 29, 2026
Unprompted review
Reply from 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 .
January 27, 2026
Unprompted review
Reply from 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.
January 24, 2026
Unprompted review
Reply from 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.
January 22, 2026
Unprompted review
Reply from 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!
December 15, 2025
Unprompted review
Reply from Magical Credit
Thank you so much, Sam! We're happy to have you with us. Have a Magical day!
Reply from 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
January 12, 2026
Unprompted review
Reply from 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!
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