Magical Credit agency providing digital strategies for people who need to obtain bad credit loans. If you are looking for a payday loan alternative, Magical Credit is your choice! Banks and payday loan companies can be very stingy with their funds. At Magical Credit, we look beyond your credit history to determine if you qualify for a cash loan. At Magical Credit you are eligible for a bad credit loan regardless of your residence as we serve all Canada except Quebec, Saskatchewan and Manitoba.