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Low Credit Finance Review 2025: APRs, Fees & Alternatives
Adheres to
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Reviewed by Ricardo LaizoLow 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.
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.
How Low Credit Finance compares - Financer Score™
Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.
Pricing
70
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
60
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
80
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.
Popularity
79
The popularity score indicates the percentage of customers choosing this company the last 90 days.
Customer Experience
100
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.
Loans Low Credit Finance in Low Credit Finance – Details
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
Company information – Details
Company nameLow Credit Finance
Websitehttps://lowcreditfinance.com/
Phone1-844-870-5672
Emailcustomerservice@joracredit.com
Latest Reviews
DP
David P.
Jan 11, 2025Very happy Customer
What makes Low Credit Finance stand out is their commitment to simplicity and clarity.
simple & clear - no cons
SK
Steven K.
Mar 8, 2024Very happy Customer
zero fees for investing. no commissions and account management fees
no access to human advisor
RH
Robert H.
Dec 11, 2023Very happy Customer
They didn't just provide a loan; they provided a stepping stone towards a brighter financial future!
So thrilled with Low Credit Finance
LW
Lisa W.
Dec 11, 2023Very happy Customer
I can't express enough how grateful I am to have discovered Low Credit Finance during a challenging time in my life. From the moment I reached out, they treated me with respect and understanding, making the entire process smooth and stress-free.
No complaints whatsoever.
MD
Mark D.
Dec 11, 2023Very happy Customer
- Empathetic and personalized approach. The team took the time to understand my individual situation, demonstrating a commitment to helping me regardless of my credit history. They made me feel valued as a customer.
I am a very satisfied customer.
P
Purduenicolas
Jul 10, 2023Very happy Customer
AT
Amanda Torres
Apr 3, 2022Very happy Customer
The range of financial products provided by Low Credit Finance is impressive. They have flexibe financial products and competitive rates for their loans. Slightly higher interest rates are expected given my credit situation, but still very reasonable overall.
Slightly higer interest rates for low credit score
C
Christopher
Jan 8, 2022Very happy Customer
the was wise to fool me
From the first contact, the team at demonstrated an exceptional level of professionalism and genuine empathy. They took the time to listen to my story and understand my unique financial situation without judgment.
PG
Patricia G.
May 8, 2021Very happy Customer
Easy and simple process. Instant money payment within 2 hours. I had some questions and they got back to me with a easy-to-understand answer. I would definitely recommend them to anyone needing quick financial assistance.
Higher ARP than maybe some others, but I am very happy with Low Credit Finance.
JL
Jennifer L.
May 5, 2018Very happy Customer
The team at Low Credit Finance is understanding and supportive. Recognizing that everyone deserves a second chance, they provided encouragement and assistance throughout my financial journey. Their guidance helped me rebuild my credit and regain financial stability.
None that I can think of.
