Low Credit Finance Review 2025: APRs, Fees & Alternatives

— Review updated Oct 2025

- Oct 6, 2025

Low Credit Finance stands out for its inclusive approach to lending, offering loans from $100-$50,000 with quick funding options even for borrowers with challenging credit histories.

Their marketplace model provides access to "no credit check" options through partner lenders, creating opportunities for those typically excluded from traditional financing.

While high APRs for poor-credit borrowers and limited state availability are drawbacks, their speed and accessibility are big pros.

Read the full review

Low Credit Finance At glance

Written by

Joe Chappius

Company name

Low Credit Finance

Website

https://lowcreditfinance.com/

Phone

1-844-870-5672

Email

customerservice@joracredit.com

Pricing

APRs ranging from 5.99% to 35.99%, with higher-risk borrowers likely receiving rates at the upper end. No platform fees for applications is a plus, though the marketplace model means actual costs vary significantly by lender.

Customer Support

Unfortunately, as we’ve often seen with loan aggregators, it’s nearly impossible to get a solid response from their customer support. Our experience with Low Credit Finance was no different - during testing, the reply we received was mediocre at best

Terms and Flexibility

Flexible loan amounts from $100 to $50,000 provide excellent range options for various financial needs. Limited state availability (not available in AR, CT, NH, NY, MT, SD, VT, WV, IN, MN) significantly impacts accessibility. Terms vary by lender.

Customer Experience

Praised for speed and simple application. Key caveat: not a direct lender (a matching service), so rates/fees and service quality vary by partner; expect follow-ups from matched lenders.

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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