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From Yen Press:
Michiru Kita’s a weak-spirited girl who has a hard time saying what’s on her mind. One day, she notices mysterious, ring-like markings around the necks of two of her classmates, Chika Akatsuki and Shito Tachibana — two boys who miraculously survived a horrible accident six months before. Michiru, possessing the rare ability to see these rings, knows that they warn of impending death. Thinking that, perhaps, she can do something to save her classmates’ lives, she approaches them…but it seems the boys have already made a different kind of deal and garnered themselves a heavy debt.


Related Series

Associated Names
Món nợ ma
Zombie Loan
Зомби на доверии
Кредит Зомби

Groups Scanlating
Ephemeral Dreams
Eternal Sorrow

Latest Release(s)
v.13 c.82-83 (end) by Twilight Dreams Scans & Eternal Sorrow over 6 years ago
v.13 c.81 by Twilight Dreams Scans & Eternal Sorrow over 6 years ago
v.13 c.80 by Twilight Dreams Scans & Eternal Sorrow over 6 years ago
Search for all releases of this series

Status in Country of Origin
13 Volumes (Complete)

Completely Scanlated?

Anime Start/End Chapter
Starts at Vol 1, Chap 1
Ends at Chapter 33

User Reviews


User Rating
Average: 7.8 / 10.0 (453 votes)
Bayesian Average: 7.72 / 10.0
 22% (101 votes)
 13% (61 votes)
 22% (98 votes)
 24% (108 votes)
 9% (43 votes)
 4% (20 votes)
 1% (6 votes)
 1% (6 votes)
 1% (4 votes)
 1% (6 votes)

Last Updated
November 25th 2017, 11:14am PST



Category Recommendations





Original Publisher

Serialized In (magazine)
GFantasy (Square Enix)

Licensed (in English)

English Publisher
Yen Press (13 Volumes - Complete)

Activity Stats (vs. other series)
Weekly Pos #470 increased(+242)
Monthly Pos #1346 increased(+115)
3 Month Pos #2163 increased(+499)
6 Month Pos #3061 increased(+396)
Year Pos #3456 increased(+500)

List Stats
On 1383 reading lists
On 940 wish lists
On 723 completed lists
On 176 unfinished lists
On 355 custom lists

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Forum Posts
Peach-Pit Ends Zombie-Loan over 7 years ago

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User Comments [ Order by usefulness ]

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Good but not great   
Rating: 7.0 / 10.0
by zengoats
January 21st, 2013, 5:57pm
Zombie Loan's a mixed bag. It definitely has some things working in its favor, but on the other hand, it has some faults. I really enjoyed the premise and most of the plot. It starts a bit episodic, but later, the overarching plot takes center stage. Unfortunately, once the overarching plot is introduced, everything gets a little muddy, and the characters start behaving less like themselves and more like pawns that only move for the sake of progressing the story. That being said, the characters themselves are pretty stereotypical (timid female, energetic male, mysterious princely male), and they don't really develop very much. Despite this, I think Zombie Loan is pretty likable, and for some reason, I'm really fond of it. Knowing its faults, it's difficult to recommend Zombie Loan, so I guess I can only recommend this to people who're into zombie manga or supernatural action manga. Also, I think it's worth mentioning that in this case, I think the manga and anime are equally good, though the manga is considerably longer and tries to answer more questions (whether or not it succeeds in doing so is questionable).
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Love it!   
Rating: 10.0 / 10.0
by ivypaw1
December 23rd, 2012, 9:39am
I think that it is the best mangas that I have ever read... Brillant! But the anime was not finished right? The artwork was also wonderful.... I hope that there is another manga out there like this... I will definitely read it again and again and AGAIN.... Encore~ >.<
PEACH-PIT's work is definitely wonderful~~ More....
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Rating: 7.9 / 10.0
by Alwerien
August 5th, 2012, 3:29am
Back when this manga was still running and about the time it was turned into anime....I really liked it. The story was great, characters and their past interesting. But then when it started to be more about Michiru, everything started to get too confusing. Sadly, while the deeper story might have been interesting, it wasn't exactly executed well. I have reread all of the books so I would finish the series this time and I definitely enjoyed the earlier ones much more.
All the way up to Shito's past, I have enjoyed the story. After that though, there were just too many confusing things that kept contradicting each other and the story wasn't kept too well together. And honestly the end.....I hoped they would end it great after the dragging confusing chapters where they would just randomly jump from place to place without any proper explanation whatsover. But in the end there was just jumbled excuse of ending resulting in a sort of unsatisfying end.

Spoiler (mouse over to view)
And in the end, the few characters I found really interesting, were the only ones that ?disappeared? aka Shiba, Shuji and Yomi. Don't get me wrong, I love Chika and Shito and others but I was seriously interested in these. I also wonder what happened to Lyca since he was completely left out from few last books. In the end....after enjoying the series so much, the end left me with a bitter aftertaste. I guess it leaves space to wonder what's going to happen in future and if they all will come together again in new office but honestly that was just weird. Are they all going to die now again (-> remember) because they are fated to and make new contracts or what...sigh. I think the ending could have been done well, but it just seems kinda ironically untied.

... Last updated on August 5th, 2012, 3:32am
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Really exciting, but slow   
Rating: N/A
by kimihoshi
February 13th, 2012, 2:08pm
First off, I will say the story is really unique and good. The structure is great in the beginning but
Spoiler (mouse over to view)
the story begins to be very confusing when we get to know more about Xu Fu, those Chinese mafias. Touhou is a really interesting guy but I didn't like that we couldn't get to see more of his abilities

Michiru (the main character) is really annoying
Spoiler (mouse over to view)
Thought I'm aware she's the main character, she is utterly annoying as she's focused 90% of throughout the whole story. I feel that Chika and Shito are focusing too much on her and they're only supposed to be mates. It's annoying that everyone else consider her as special for being a human when she is not.
I almost gave 9 stars thanks to her but the story is so awesome that I couldn't hehe.
I really loved the part about the story of Shito's life and when the A-loan saga began smile I really recommend it, one of Peach-pit's best work ever !
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Not bad, not the greatest   
Rating: N/A
by pichpat
November 26th, 2011, 11:01pm
Zombie Loan starts off well in the plot idea area: you're dead, about to go to hell or heaven, but then you get offered to extend your life on a loan as a zombie? Zombies on loans; yep, interesting concept. However, I do admit that probably the weakness of the manga is the writing when it comes to plot and character development.

First, if you are about to read Zombie Loan, be warned, the plot develops much better after volume four and five. Our three main characters grow up a bit and a surprise purpose of Michiru's existence is thrown about, plus hierarchy problems in the zombie-life-fate-system.

I am not fan of the writing. The volume may end, but it does not clinch me enthusiastically to continue for the next one. I read the next one for better character development, but after getting to vol.12, I knew that the last volume I was going to read it for the resolution and Michiru's doings. The characters are okay. Michiru is like a gray slate which you can pair almost with anyone. Yes, she becomes more interesting with what she is, but you won't see other sides of her. The gun-sword duo are funny with their actions and much more developed, so they are the best writing of the manga. The rest of side characters and antagonists, though, is what I was really expecting much more. Good potential profiles (like Shiba, Zarame, Koume, Bekko, Hakka [almost any side character, like Yomi and Koyomi]), but they just fill their roles too simply; nothing deeper you could say about them...just guessing work, which you can also see of the writing.

Just how sometimes the artwork is messy, so it happens with the writing. The technical details of the hierarchy, singularities, ferryman are mostly vague, even by the last volume. The kanji and licensed translations help clear some of the vagueness, but it stays the same... You can't really grasp details or exact why's or how's. So Zombie Loan had great ideas with plot and characters, but they weren't developed to their best. It's worth a try though.
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Rating: N/A
by MichiruXshitoXchika
March 29th, 2011, 10:45pm
I love zombie loan alot~ so
i want to know what happens next, even though many people quit reading this, they just dont appreciate it >.<
I love the story! its going deeper and deeper.. so mysterious. i want more chapters. i love peac pit's works biggrin
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Rating: N/A
by marionoflag2
May 19th, 2009, 12:10pm
Spoiler (highlight to view)
yeah it was good at first, and all, the plot has good points and starts to speed up lately,what really bugs me was the yuri elements that are thrown in abruptly at some point, the mangaka kind of mislead you to think she will fall for one or the two main male leads, but then the mangaka suddenly throws a "she is goin to realize her feelings for a girl very soon". i just keep reading to c how this plays out, if it does turn out to be yuri then ill stop reading cause, well, yuri hurts my male ego and i already had hopes for she to fall for shinto. dammit it pisses me off!!

... Last updated on May 19th, 2009, 12:12pm
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good fun   
Rating: 7.0 / 10.0
by kaloo
April 12th, 2009, 8:44am
I like it. It's got a nice light hearted feel. It's not too heavy and the it's goofy. The action scenes are meh and the plot is slow but it's all in good fun
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Not exactly gripping   
Rating: 6.0 / 10.0
by CuthienSilmeriel
November 23rd, 2008, 8:57pm
I read the first volume when i was bored and it was alright. Interesting plot but I didn't get into the characters at all and it went a bit slow for me. The art is alright, nothing stunning and I failed to find any humour in this. Also the main female has more potential to annoy me than win me over. All in all it's good to kill time but I'm not exactly dying to find out what happens, or even beyond mildly interested.
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it does get better   
Rating: N/A
by inuveggirl
November 13th, 2008, 6:40pm
The artwork is busy and the plot is going slowly, but it does get better with each volume....enough to keep my interest. Anyway, I finished volume 4 and the story line is getting better and the art work is getting better. I will continue with the series and hope that it will continue to improve.
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