NorthWestern Financial Review

Low Credit Finance

Low Credit Finance Overall rating: ★★★★☆ 3.5 based on 8 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

Request a Loan

Low Credit Finance logo

Low Credit Finance is an online loan matching service that connects potential borrowers with a poor credit score with trusted lenders offering personal loans with no credit check. Borrowers can borrow between $100 and $5,000 by just filling out a short online application. Once approved, the funds are typically credited to the borrower’s bank account within 24 hours.

Lenders featuring partnership with Low Credit Finance are licensed and offer loans at competitive rates, even to borrowers with bad credit scores. The best thing is that they are certified and follow the law while providing their service. They do not rely solely on credit scores or histories but size and stability of income for determining the borrowers’ creditworthiness.

Low Credit Finance does not provide its service in Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, Minnesota.

Company name Low Credit Finance
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Phone number
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Low Credit Finance website


  • Loans start from $100
  • All credit scores and histories are considered
  • Reasonable interest rates
  • Fast loan process
  • Extensive network of credible lenders
  • Affordable loan amounts
  • Quick approvals
  • Same-day payouts
  • No upfront fees from borrowers


  • Loan amounts cannot be over $5,000
  • Interest can be as high as 35.99%
  • Late penalties apply
  • Unavailable in some states

Bottom line

Low Credit Finance loans can be ideal for you if you have bad credit and need extra cash urgently. While lenders from the network of Low Credit Finance may perform credit checks, they won’t base the lending decision purely on your credit score.

Types of loans

Low Credit Finance provides free access to lenders who offer the personal loans for bad credit with APRs starting from 5.99% to 35.99%.

The company partners with an extensive panel of reputable lenders, and you can benefit from competitive rates. Their personal loans feature affordable amounts from $100 to $5,000.

Eligibility criteria

It is easy to qualify for a loan with Low Credit Finance. Eligibility criteria are as follows:

  1. Minimum age of 18 years
  2. Be a US citizen or permanent resident
  3. Have a regular income earning at least $1000 monthly
  4. Savings or checking account in a US bank

Category: Online Loans

Tags: Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming

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Low Credit Finance Reviews

Poor customer experience and customer service. Don’t use this website based on my personal experience.
- George Ortiz

I applied for a $4,500 loan and was approved very fast which was great however they advertise money with minutes, I received a message to say I should receive my money within 2 hours. It’s been nearly 5 hours and still no funds. They can’t stick to what they advertise – false information. I’m very disappointed.
- Sean Lyons

Fast and easy to use and I would consider using this website again if I ever need financial support again”
- Mari Gustafson

They helped me out when no-one else would. Amazing service. Easy application and funding was basically instant. Would highly recommend this company. I’m so grateful for helping me out. Would always return should I need extra cash again.
- Alberta Aponte

The application on was easy and was quickly approved. Signed the agreement and they sent the confirmation email to promise my money will be in my account in 2 hours however it’s been nearly 6 hours and still no money!! Why then advertise quick funding?
- Salvador Smith

Absolutely fantastic service! The application process was quick and easy, I would recommend Low Credit Finance to anyone who desperately needs quick cash. I am a very happy customer.
- Joe Hassell

The application process was quick and easy and the approval was extremely quickly as well. I had a very low credit score so was extremely happy that I was approved. No hidden fees, no nasty surprises. Will definitely use this matching service again. All communications are kept to a minimum. Very pleased with the service.
- James Horton

I like as the application is simple and purely online.
- Doris Lester

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