Story: 6; This is why
The plot line for Zombie Loan is pretty creative, seeking resurrection for individual reasons after dying in a sad accident. There are just too many familiar plot elements that are seen everywhere in all undead demonic zombie anime... Also, the plot is all over the place. Where does it even start?!! The transition from arc-to-arc is so confusing sometimes with a whole bunch of added elements to keep track of! I had to watch that "Crushed Butterfly Code" part 4 times to understand it, and I still see it as a whole shitload of unnecessary elements. It's like the author thought of this one day and wanted to show off his "cleverness" and just added it, cause, "who gives a fuck anyway right?" But seriously, elements were added at the last moment and when they weren't even needed and that just turned the anime into one big clusterfuck of unrelated SHIT! And the ending was the worst out of every anime I've ever watched, y'know, I'm actually gonna switch the plot to a 5, cause I just realized how terrible it is.
Art: 8
Its kind of like a mixture between a lazy Death Note and a lazy Code Geass. It's alright, compared to stuff like Lucky Star and the dark colors really set the mood. No one was wearing bright colors in the whole anime. The brightest color I saw was Michiru's hair. And I LOVED IT!
Sound: 7
There are actually pretty good moments in the transitional soundtrack of this anime. The action scenes seemed to be pretty well recorded and matched with the right music, and the opening sounded a lot like Trigun, which I sort of like b/c I LOVED the Trigun opening! But its really nothing special if you think about it...
Character: 5
I'm sorry, there were way too many characters for such a short anime. It was a SIN! Every episode, a new character came in, like that red-haired dick in episode, like, 9. Like, wtf? And those three characters at the end! You didn't even need them! They were the reason the ending sucked! omg, this anime did not know it's limits when it came to character! It was overwhelming! Michiru once again plays that archetypical girl who can't do shit for herself and always gets in the way! That's pathetic! And then she follow them around for the rest of the anime! (It doesn't make sense, I know, just watch it for yourself and you'll see)
Enjoyment: 7
B/w the clusterfuck rushed plot, and annoying, superfluous characters, I actually might've enjoyed just a little. I mean, I liked some of the action scenes and the antagonists. But that's really all I have to say about that... Not enough for redemption though... sorry Zombie Loan.
Overall: 6
