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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Balance Credit


About lender

Balance credit is a trademark of SunUp Financial, LLC, a direct lender founded in 2014 and based in Chicago, IL. Balance Credit personal loans are available in Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin.

You can get personal loans from $100 to $5,000 from Balance credit. Details of credit limits may vary, depending on the place of application. But in any case, you will receive an approval within one business day.

Pros and cons of Balance credit

Before applying for personal loans, we suggest finding out the Balance credit pros and cons first to build your expectations under real terms.


  • Applying for a loan is fast. Even a beginner will cope with it fast.
  • No prepayment penalties.
  • Balance credit does not charge origination fees.
  • Funds as soon as one business day.


  • Max loan amounts vary by state
  • Limited availability
  • APR is as high as 99%-720%.

So, now you learn more about the company. Take another look at its advantages and disadvantages to make a final decision.

Balance credit conditions

The Balance credit does not provide transparent information about loan offers. If you apply for a loan, you must accept all the current terms and conditions. The borrower only learns the current annual and interest rates after applying for a loan. You agree to all the terms and requirements if you have signed it.

You can take out a loan for a period of from 4 to 30 months. The Balance credit loans are unsecured, so no collateral is needed. The maximum amount of credit funds may vary, depending on the US place of residence of the borrower. You can apply for an amount from $100 to $5,000, as well as for credit services from $100 to $2,500.

Quick loans with Balance credit are an opportunity to solve current financial problems. People apply for a loan for various needs - from medical bills to car repairs or any other unexpected expenses.

Funding a loan

Balance credit uses advanced technology services to help consumers access a convenient funding process. Due to the quick confirmation and processing of the application, customers do not require much paperwork. As a rule, the borrower receives money the next business day.

Keep in mind these extra points regarding personal loans:

  • Personal loans amounts and approval are not guaranteed. Loan size and approval are based on particular state laws, minimum income amounts, and other credit criteria. The Balance credit loan documents framework provides complete information about interest rates, fees, and payment terms.
  • Balance credit has the right to adjust the approval until you receive funds to your bank account based on new information regarding your application.


What is Balance credit?

Balance Credit is an online lender offering unsecured installment loans. It operates as a licensed Credit Services Organization (CSO) in some US states, including Utah, California, Virginia, Missouri, Wisconsin, Texas, South Carolina, Mississippi, Illinois, Delaware.

Who owns Balance credit?

Balance credit is owned by SunUp Financial, LLC, a direct lender founded in 2014 and based in Chicago, IL.

How do you qualify for Balance credit?

To get a loan from this company, a person must be 18 years or older. In addition, the borrower must reside in the states specified in the loan agreement and have an active bank account with a verified source of income.

How much can you borrow from Balance credit?

If approved, you can get a personal loan from $100 to $5,000. It offers loan terms ranging from 4 months to 24 months.

Is Balance Credit legit?

Yes, Balance credit operates on legal grounds. The company helps people to get cash quickly. Since it has limited availability and higher APRs than traditional lenders, it is worth dealing with if you need an alternative to a payday loan. It is licensed and regulated in the states of presence. Its website uses data encryption to ensure that your financial and personal information does not fall into the wrong hands.

What type of loan does Balance Credit lend?

Balance credit provides personal installment loans that borrowers usually repay in equal payments every month until the debt is paid off.

Company documents

In Alaska, loans are provided by CC Connect
In Washington, loans are provided by CC Connect
Compliance with Utah Regulations
In Arizona, loans are provided by CC Connect
Compliance with New Mexico Regulations
In Oklahoma, loans are provided by CC Connect

Simple service for urgent money

© Balance Credit

Calculate loan payments in Balance Credit

Balance Credit calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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100 $
5000 $
Loan term

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What to focus on before applying for a loan with Balance Credit

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Balance Credit and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Balance Credit’s reviews by September 2022
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