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... Voir plus
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Lisez les avis des autres
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... Voir plus
L'entreprise a répondu
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... Voir plus
L'entreprise a répondu
À propos de l'entreprise
Écrit par l'entreprise
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!
Coordonnées de contact
970 Lawrence Ave W #402, M6A 3B6, North York, Canada
- +1 855-639-6888
- info@magicalcredit.ca
- magicalcredit.ca
4,6
Excellent
319 avis
Aucun historique récent de demande d’avis
Cette entreprise n’a pas récemment invité ses clients à l'évaluer, donc les avis ne sont peut-être pas représentatifs.
A répondu à 100 % de ses avis négatifs
Répond généralement dans un délai d'une semaine
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Simple application
Its simple self explanatory. Fast and its great when your in a bind .
27 janvier 2026
Avis spontané
Réponse de 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 janvier 2026
Avis spontané
Réponse de 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 janvier 2026
Avis spontané
Réponse de 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 décembre 2025
Avis spontané
Réponse de Magical Credit
Thank you so much, Sam! We're happy to have you with us. Have a Magical day!
Réponse de 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 janvier 2026
Avis spontané
Réponse de 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!
Réponse de 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!
Réponse de 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 novembre 2025
Avis spontané
Réponse de 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 octobre 2025
Avis spontané
Réponse de 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 octobre 2025
Avis spontané
Réponse de 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 octobre 2025
Avis spontané
Réponse de 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 septembre 2024
Avis spontané
Réponse de 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 juillet 2025
Avis spontané
Réponse de 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 juillet 2025
Avis spontané
Réponse de 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 juin 2025
Avis spontané
Réponse de 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
Réponse de 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 mai 2025
Avis spontané
Réponse de 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.
Worst company!
I have dealt with many loan companies and this has to be the worst! No one needs money this badly to deal with such incompetence! Never again, they are scammers!
9 mai 2025
Avis spontané
Réponse de Magical Credit
Hi JD.
I'm so sorry about your bad experience with us. Can you please reach out to us to understand what happened? I can't find you in our system with only your initials, and I really want to get to the bottom of this. You can either call us at 1-855-639-688 or email us at local@magicalcredit.ca. We're looking forward to speaking with you to figure out what happened.
Réponse de Magical Credit
Thank you Michael on the great review - what a wonderful Friday surprise, we're always here to assist - Have a MAGICAL Friday :)
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