Written by
Joe Chappius
Company name
Low Credit Finance
Website
https://lowcreditfinance.com/
Phone
1-844-870-5672
customerservice@joracredit.com
Low Credit Finance Review 2025: APRs, Fees & Alternatives
— Review updated Aug 2025
Low Credit Finance is a great option for those with poor credit. They offer a reasonable APR, from 5.99%, and flexible repayment terms for those looking for urgent credit, between $100 and $50,000.
They also offer an easy application and the approval decision can be show in minutes.
You just have to have an active bank account and be US Citizen or permanet resident.
Low Credit Finance At glance
Read reviews (10)Pros & Cons
Broad Loan Amounts Advertised: You can borrow any amount from $100 up to $50,000, so you can target anything from small emergencies to larger needs.
Fast Decisions & Funding: Site copy highlights same-day deposits and even “1-hour” funding options - helpful when timing is critical.
Bad-Credit Friendly: Content emphasizes access for poor credit and even “no credit check” options via partner lenders.
No Upfront Platform Fees: They disclose no fees to submit a request; compensation comes from lender referrals.
APR can go high: it ranges from 5.99% to 35.99% - customers with bad credit are expected to receive the latter cost, which is high.
Not a Direct Lender: They don’t make credit decisions and pass your info to third-party lenders, so rates, terms, and service will vary.
Limited State Availability: Service isn’t offered in several states (e.g., AR, CT, NH, NY, MT, SD, VT, WV, IN, MN), which can block eligibility.
Lead-Gen Model & Inconsistent Content: They earn from lender referrals and run an affiliate program, and some pages reference another brand (“50kLoans”), which can feel less transparent.
Details
Loans Low Credit Finance
Terms & fees
Loan amount$100 - $50,000
Term2 months - 7 years
Annual interest rate5.99% - 35.99%
Origination feeVaries by lender (usually between 1% and 6%)
Monthly feesVaries by lender
Requirements
Minimum age18
Minimum income$0
National bank requiredYes
National phone number requiredYes
Citizenship requiredYes
Electronic identificationYes
Features
Cosigner possibleNo
Revocation periodYes
Accept bad credit historyYes
Weekend payoutNo
Loan extensionsYes
Early paybackNo
Payment within 24 hoursYes
Loan brokerYes
Interest free loanNo
Additional fields
Payment hoursAlways Open
High approval rateNo
Recommended companyYes
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