Positive Reviews: Customers appreciate Magical Credit's installment loans, quick approval process, helpful staff, transparent communication, and the ability to make payments over time. Many reviewers found the loan application straightforward and the customer service excellent. The company's focus on supporting those with less than perfect credit scores has been beneficial for many individuals in need of financial assistance. Unique Facts about Magical Credit: Magical Credit offers personal loans to Canadians with poor credit, except in Quebec, Saskatchewan, Manitoba. The company does not require collateral like vehicles or homes for their smaller personal loans. They cater to individuals with non-traditional income sources and offer assistance to those with government assistance. Business's Specialty: Magical Credit specializes in providing cash loans to individuals with poor credit histories, focusing on income and assets rather than credit scores. They offer a quick and straightforward application process, along with personalized customer service to help individuals navigate through their financial challenges.