Zombie-Loan
Oshimeter
Synopsis
Do you know when you are going to die? Michiru Kita does, as she has the ability to see a "ring of death" on the necks of those around her—and the darker the ring, the closer one is to death. One day, she notices that two boys in her class, Chika Akatsuki and Shito Tachibana, have completely black rings. Seeking to warn them of their impending demise, she stumbles onto their secret: they are already dead, but are kept alive due to a contract with Zombie-Loan, a mysterious loan office. Of course, nothing comes without a price, as the boys must hunt down and kill zombies in order to pay off their debt. And once they learn about Michiru's "Shinigami Eyes," they drag her into their crazy world.
Episode Guide
Characters
Chika Akatsuki
Lively but short-tempered zombie, Chika wields a Shinigami katana, performing memorials for defeated foes, while longing for a normal life.
Suzumura Kenichi
Michiru Kita
Michiru Kita, a girl with Shinigami Eyes, reluctantly joins zombie hunters to repay a debt, battling apathy while protecting friends.
Kuwashima Houko
Community Feed
Loading…
Chika and Shito became that much closer this episode and really solidify the kind of partnership they want to have. Chika affirming once more his need for money is liked to his will to live. Thus, even knowing Shito is born a zombie, there's something profound in their hand exchange afterward as Chika is silently asking him if he wants to live or not, and that his background doesn't matter to him. Heck, Shito himself has mentioned in past episode that living is signify by the bonds made during their lifetime, and so by asking Shito to call Chika his name, he is also asking to live for him. The balance between humor and horror as always is great.
This episode has the best plot twist while also expanding the lore of the shinigami. Plus, we finally got a mascot. 10/10 design and personality. The conflict also manage to really bring out the horror theme, especially in Shito's lore. The antagonist are all over the place with their diverse personality and motivation, but strangely I enjoy the chaotic mess because it allows that much intensity to the narrative.
Emotionally, this one hit harder than I expected. What impressed me is that the episode doesn't need to abandon its supernatural identity to make its more serious moments work. The characters also feel much more meaningful to me now than they did at the beginning, especially after spending so much time with their strange personalities and constant arguments. I finished this one feeling surprisingly attached to the whole group.
What an unexpectedly strange episode. That's saying something considering Zombi-Loan hasn't exactly been normal until now 😁 The supernatural side gets even more interesting, but the anime still manages to sneak humor into places where I wouldn't expect it. Michiru's reactions continue to make some of the weirdest situations much more entertaining. There's also enough tension here that I couldn't fully relax while watching.
At this point, I've stopped assuming I understand anyone in this anime 😅 There always seems to be another layer hiding underneath what we've already seen, which keeps the characters from becoming predictable. The atmosphere also feels increasingly tense without abandoning the strange personality the series has had from the beginning. I was especially invested in how everyone handled the situation this time.
There's something noticeably different about the atmosphere here. Some moments are genuinely funny, while others carry this uncomfortable tension that makes it difficult to completely relax. Chika and Shito continue being such opposites that putting them in the same story almost guarantees chaos. Michiru being stuck between all these strong personalities somehow makes everything even better. I'm definitely getting more curious about this cast.
After everything that's happened lately, a change in atmosphere was very welcome. Of course, expecting anything involving this group to remain peaceful for long is probably foolish 🤣🤣 Their personalities bounce off each other so naturally now that simply watching everyone interact can be entertaining. There's still enough mystery to keep things interesting, but this felt like a nice chance to enjoy the characters a little more.
Probably one of the more emotionally heavy episodes so far. There's still plenty of supernatural madness around, but the mood feels noticeably more thoughtful this time. It made me think about how differently people can view life, death, and the value of simply continuing to exist. That's much deeper territory than I expected this anime to explore when I started it. Definitely left me thinking afterward.
Okay, the weirdness level definitely went up again lol.. One thing Zombi-Loan does surprisingly well is jump between ridiculous comedy and genuinely uncomfortable situations without completely losing its identity. Michiru remains such an amusing person to follow through all of it because her personality feels almost too normal for this world. I spent a good portion of this episode wondering what on earth was going on.
Trust definitely feels like a dangerous thing in this anime. Every time someone enters the picture, I immediately start wondering whether I should be suspicious of them 😅 Chika's personality brings plenty of energy as usual, while Shito remains much harder to read. That contrast continues to work really well for me. Even during calmer conversations, there's enough uncertainty underneath everything to keep me paying attention.
Something about Michiru makes her incredibly easy to root for. She's awkward, timid, and sometimes seems completely overwhelmed by everything happening around her, yet that actually makes her feel more believable. The surrounding cast is also becoming increasingly entertaining because nobody here seems remotely normal 😆😆 There's a surprisingly warm feeling mixed into all the supernatural weirdness this time.
Things already feel more chaotic now that the story has established its unusual world. Michiru is probably the character I'm most entertained by because she really doesn't seem built for all this madness 😭 Meanwhile, Chika and Shito continue bringing completely different personalities into every situation. There's enough comedy to keep things fun, but something unsettling always seems to be lurking underneath it.
Right from the beginning, Zombi-Loan has such a weird atmosphere, and I mean that in a good way. Michiru immediately caught my attention because she feels refreshingly different from the usual supernatural anime protagonist. Chika and Shito bring completely different energies too, so watching these three together is already entertaining. Dark, strange, funny, and slightly creepy. I'm curious where this combination will go.
Well, it has everything you'd expect in a final episode: buddy fights, reconciliations, action-packed confrontations, confessions, and WHAT THE HECK IS THAT?!?!?! I wasn't expecting that to be the doctor's great "creation"... I was expecting something less... creepy. Fights, money, and a sweet moment that suddenly turns into a tragedy... and the adorable pet shinigami. You know what? I liked the ending, even though there's clearly a lot more to the story. Now my question is... Does Square Enix really not plan to revisit this story? It would make a fantastic video game.
WHAT AN ADORABLE LITTLE THING! I want one too. For a moment I was worried, wondering how on earth they were going to find Shito if they were just riding around on a motorbike for no reason, but it turns out they went to get information from an expert. Of course, Michiru has the Shinigami eyes! In several episodes, that ability hadn't been necessary, so I'd completely forgotten she had it, and that (now we know) it allows her to do other things. Honestly, I don't understand Toho's role. He gets in the way at one point, but he's an ally, yet he knew where Shito was and didn't go to rescue him... It's so strange. The plot is moving forward, and there seem to be a lot of loose ends and inconsistencies. The deal the doctor made is also unclear. Let's hope things become clearer in the next episode.
Okay, so we have Shito, who had his torso pierced with a chainsaw after the fight with Chika. Chika learns the truth about the contract they made with Watashimori and that Shito isn't really who he seemed at first. Then we meet another new character just a few episodes before the season ends... and in the end, Chika decides he's going to resolve things with the most mundane motivation of all, but the one that truly drives him. I don't know... it's an episode where we're waiting for them to decide to go looking for Shito, while they gradually reveal more lore. This episode is, in a way, transitional.
In this episode, we learn a bit more about Chika and Shito. On one hand, we meet Chika's father and younger sister, both rather cartoonish in their personality tropes; and on the other hand, we have Shito, who receives a sudden visit from someone... with whom he shares a rather complex relationship. He addresses him as "Sama" but at the same time seems to have a certain control over him. When the team prepares to face the new threat, a rather crazy, Dr. Frankenstein-esque character, Shito and Chika have another fight that drives them apart. It certainly seems that this episode is preparing us for some very difficult moments to come.
We have a hot springs episode. Since Chika was still depressed about his friend Shiba, Watashimori gives them all permission to go on a vacation together, sponsored by the owner of the resort, Kuze Shimotsuki. For a moment, I thought we'd have another fourth-wall break, discussing how wrong it is to sexually harass others, but no such luck. We see moments of connection between characters, a glimpse of Michiru's growth, and an incident to be resolved. A lighthearted episode, but one that serves to explain a couple of things that were left hanging, such as what Ectoplasm and Astral are.
There's a lot to unpack in this episode. After being betrayed by his former friend, Chika has to grapple with the sadness that this situation brings him. Shiba, as a character, is irredeemable, and ultimately, it's still not entirely clear what he wanted (even though it seems like it was Chika... in my opinion). There are some very sweet moments between Chika and Shito; they don't get along, but they can lean on each other when it matters most. On the other hand, we have a surprising fourth-wall-breaking moment when Shito explains that even if a person's role (in the anime) isn't relevant, a death shouldn't be taken lightly. From the beginning, I got the impression that this was one of the goals of this anime: to take the weight of death beyond the spectacle of killing enemies and dying to gain powers... to give it real weight, the weight it should have in real life. So, for that reason alone, I'm giving it extra points.
Wasn't it obvious? It was so obvious! Anyway, the butterfly case is finally solved in this episode, almost. But I have to say, our protagonists are terrible at solving mysteries; they lack intelligence, stealth, and prudence. They stumble upon the killers almost by chance. But that's what this episode is about: they make blind guesses, terrible decisions, and people actually die because of their stupidity. I hope this is intentional, narratively speaking, because otherwise, it's really bad writing.
From the Same Universe
Fans Also Watch
Zombie-Loan
More DetailsRadar5
Choose what you want to review:
a single episode or the full anime.





