Dornett was an absolute pleasure to…
Dornett was an absolute pleasure to deal with very knowledgeable and pleasant! A+++ JG

Magical Credit is a Canadian financial service provider specializing in bad credit loans. The company offers quick and accessible cash loans to individuals with poor credit histories or non-traditional sources of income. With loan amounts ranging from $100 to $20,000, Magical Credit aims to assist low-income households and those who may find it challenging to secure funding through traditional banks. The application process is designed to be straightforward, allowing customers to apply online and receive approval within 24 hours. Magical Credit accepts various forms of income, including government subsidies and pensions, making it a suitable option for those who may not qualify for conventional loans. The company's focus on providing financial solutions for individuals with bad credit positions it as a valuable resource for Canadians seeking short-term financial assistance.
Magical Credit receives a mix of positive and negative feedback from its users. Many customers praise the company for its quick loan processing and friendly, communicative staff, highlighting experiences where they received funds rapidly and appreciated the thoroughness of email communications.
Reviewers often describe the service as "magical" and reliable, with several noting that they would return for future loans. However, a significant portion of reviews expresses dissatisfaction, with complaints about the company's practices, labeling them as "scammers" and criticizing their customer service. Some users recount negative experiences, feeling misled or treated poorly after applying for loans. Despite the positive experiences shared, the critical reviews suggest that potential borrowers should proceed with caution.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.0 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Oct 24 | 2.3 | 3 |
| Nov 24 | 3.0 | 2 |
| Dec 24 | 5.0 | 1 |
| Jan 25 | 1.0 | 1 |
| Feb 25 | 3.0 | 2 |
| Mar 25 | 3.0 | 2 |
| Apr 25 | 4.7 | 3 |
| May 25 | 2.3 | 3 |
| Jun 25 | 4.0 | 4 |
| Jul 25 | 2.3 | 3 |
| Aug 25 | 5.0 | 2 |
| Sep 25 | 5.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Needed some quick cash to get me through”
“how is there an $18 difference between my payment schedules balance and my actual balance”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.0 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | +31% | 60 | |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | 27 |
Bottom line: Magical Credit is #5 of 5 on overall rating in this group.
60 reviews of Magical Credit. Filter by what matters to you.
Dornett was an absolute pleasure to deal with very knowledgeable and pleasant! A+++ JG
Magical Credit was so helpful and the process took little time. The customer service (Natasia) was very informative and efficient. I would use this service again and recommend.
Nastasia is an excellent customer service representative who is very professional, patient, and attentive. She was very helpful for my needs
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I applied for a Small loan Over the telephone. Loan Pending. Approved or Denied is irrelevant. The Customer Service, I received over the phone From Nastasia Was More than Professional . She walked Me through My application. Very Polite. This Woman Knows Her Job. For that reason Alone I am giving Magical Credit 5 stars
Requested funds and a actual human representitive called me and went over the entirety of the loan, repayment, and all inbetween. Was a pleasure, saved me in a time of need. Thank you guys so much!
Very professional, always on top Of their task. Insightful, responsive. My experience with Magical Credit has been great so far. Highly recommend them in terms of payday loan.
Very good business experience and very friendly when talking to customer service, I was having trouble with something and they patiently helped me through it!!!! Great service!
I have dealt with this company for 2 years now. It was so easy and simple. If you just need a little extra to get you caught up and ease your mind. Send the documents they want. They ask you questions on the phone and the money was in my account that night.
Fast friendly service.
I have had the pleasure of speaking with April on a couple of occasions now, and I cannot say enough positive things. April is friendly, patient, and professional, while ensuring that my questions are answered and my issue has been resolved. I have had loans on and off with Magical Credit since 2015, and April is by far the most helpful and friendly representative that I have spoken to. I appreciate her timely resolution on my behalf and cannot thank her enough! She is amazing!
The agent are always polite and treats you like a human being .your not a number to them
My Experience with Magical Credit was a great one.. The representative was very informative regarding with my loan, and the online process was simply to filled out.. The company provided me with information step by step regarding with my loan application and when it was approved.. Overall a great experience..
Magical Credit is a Canadian financial service provider specializing in bad credit loans. The company offers quick and accessible cash loans to individuals with poor credit histories or non-traditional sources of income. With loan amounts ranging from $100 to $20,000, Magical Credit aims to assist low-income households and those who may find it challenging to secure funding through traditional banks. The application process is designed to be straightforward, allowing customers to apply online and receive approval within 24 hours. Magical Credit accepts various forms of income, including government subsidies and pensions, making it a suitable option for those who may not qualify for conventional loans. The company's focus on providing financial solutions for individuals with bad credit positions it as a valuable resource for Canadians seeking short-term financial assistance.
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