Contacting Balance Credit is easy. You can reach us via email or phone. You can email us at support@balancecredit.com or call (855) 942-2526. Our hours of operation are 7 a.m. – 8 p.m. CST, Monday-Friday and 8 a.m. – 5 p.m. CST, Saturday.
Capital Community Bank is the lender that originates loans in certain states (see below), which are then serviced by Balance Credit. Capital Community Bank is a Utah Chartered bank, located in Provo, Utah, Member FDIC.
In AK, AR, AZ, FL, IN, KS, KY, LA, MI, MN, MT, OH, OK, and TN loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. In these states, loans are funded by Capital Community Bank (or by one of its affiliates or divisions) and will be serviced by Balance Credit. Your loan agreement identifies your lender.
We do business loans in AK, AR, AL, AZ, DE, FL, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, OH, OK, SC, TX, TN, UT, WI.
In AK, AR, AZ, FL, IN, KS, KY, LA, MI, MN, MT, OH, OK, and TN loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. In these states, loans are funded by Capital Community Bank (or by one of its affiliates or divisions) and will be serviced by Balance Credit. Your loan agreement identifies your lender.
If you received a letter it means you are invited to apply for a loan. We use pre-set selection criteria to make a preliminary determination about your eligibility for our loan services. You will be eligible for a loan if, based on the information you provide to us on the application, we determine that you continue to meet the selection criteria as well as the additional requirements set out in the letter. Your next step is to complete the application to review your offer.
Automated Clearing House, an electronic network for financial transactions in the United States. The ACH network processes millions of transactions every day, including payroll direct deposits and vendor payments. ACH is one way your payments get to Balance Credit as an EFT (Electronic Funds Transfer) from your bank account (as long as there are sufficient funds in your account on the payment due date).
Annual Percentage Rate. APR is a percentage number that represents the actual annual (yearly) cost of funds over the term of a loan.
You can apply on our website by completing the loan application. The only way to complete an application is through our website. We are unable to complete an application over the phone or through the mail. You will need the following, in addition to other information:
You must meet the following minimum requirements to qualify:
Other requirements may apply. Products are not available in all states. States serviced by Balance Credit may change.
Balance Credit does not perform a hard credit inquiry with any of the 3 major credit bureaus, TransUnion, Equifax, and Experian, so the application will not affect your traditional credit score.
If approved, your loan amount can range between $100 and $3,000, depending on your state of residence and certain credit criteria. If you pay off a loan on time as stated in your contract terms, you may be eligible for a larger amount on your next loan.
To apply you must have a checking account or a savings account with unlimited debit & credit privileges. This account must not be currently associated with another Balance Credit account. When you apply, you will enter your bank routing number as well as the bank account number on the application.
When you finish your online application, you’ll click “AGREE AND CHECK YOUR ELIGIBILITY”. In most cases, you’ll see a message within seconds telling you if your application is approved, declined, or if additional verification is needed.
If your application was not approved, you will receive a Notice of Adverse Action within 30 days explaining why that decision was made.
Once approved, your funds will be deposited directly into the bank account entered on your application via direct deposit.
Applications processed and approved before 6:00 PM CT on business days and prior to 4:00 PM CT on Sundays are typically funded the next business day.
Unlike some other lenders, Balance Credit and its lending partners never charge application fees, and the whole process only takes a few minutes. Click here to apply now.
Balance Credit cannot process applications over the phone. You can submit an application online in just a few minutes. Our agents are available most hours of the day to assist with any difficulties you might encounter. If you have questions about filling out the application, please give us a call at (855) 942-2526.
If you wish to cancel your application, please contact us by 4:00 PM CT on the day of your submission and ask to cancel your application. You can email us at support@balancecredit.com or call (855) 942-2526. Our hours of operation are 8-6 PM Central Time, Monday-Friday.
Bank Verification is the tool we use to help verify your identity and the validity of your bank account. This is an important part of the application process and a prerequisite for transferring funds. If approved, this also ensures funds are sent to the correct bank account.
There are no penalties for early or additional payments. If your budget allows, we encourage you to:
First, don’t panic. If you need extra time, we’ll talk with you about payment extensions or other arrangements that may meet your needs. If you don’t contact us, you may be charged additional interest for missed or partial payments. Please contact us three (3) business days prior to your scheduled payment date to discuss alternate arrangements.
Payments are made bi-weekly (every other week), semi-monthly or monthly. Most borrowers choose to make these payments by automatic deductions from their bank account. You simply need to be sure you have sufficient funds in your account on the day the automatic payment is made.
Not a problem. Just let us know quickly so we can communicate without interruption. Please send us an email at support@balancecredit.com or call (855) 942-2526 to give us your new information.
If you no longer have the bank account you used for receiving funds and making payments, you must notify Balance Credit at least three (3) business days before your next scheduled payment. You will need your new account number and bank routing number. Just email us at support@balancecredit.com or call (855) 942-2526. Our hours of operation are 7 a.m. – 8 p.m. CST, Monday-Friday and 8 a.m. – 5 p.m. CST, Saturday
You can reset your password on our website. You will need access to the email address associated with your Balance Credit account to do so. If you do not have access to this email address you can call us at (855) 942-2526 to assist in the update.
Please see our Terms of Use and Privacy Notice.
Feel free to use the proceeds of your loan for whatever personal use you need to get your life back in balance! Whether it’s to help make a major purchase, like a new water heater, or cover a large, unexpected expense, such as a car repair, a loan can help.
Unlike some other lenders, Balance Credit and Capital Community Bank never charge application fees. As long as your payments are on time, your only cost is the accrued interest on your installment loan, as well as CSO fees for loans issued in Texas. Interest rates vary by state. Your payment amount, APR (Annual Percentage Rate), total finance charge, CSO Fees (where applicable), payment dates, and other critical terms are clearly outlined in the loan agreement, so you’ll never be surprised with unexpected charges. You are able to review your entire loan agreement prior to signing your loan document(s). If you review your agreement and do not like the terms, you have no obligation to sign and you will not be funded without signing your loan document(s).
You will need to pay off your outstanding loan first. You may be eligible for a new loan when all payments clear. You will receive a system generated email once your loan has been paid off for your records.
Apply now! You’ll be finished before you know it. It’s fast. It’s simple. It’s Balance Credit.
Apply now! You’ll be finished before you know it. It’s fast. It’s simple. It’s Balance Credit.
In AK, AR, AZ, FL, IN, KS, KY, LA, MI, MN, MT, OH, OK, and TN loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. All loans funded by Capital Community Bank (or by one of its affiliates or divisions) will be serviced by Balance Credit. Your loan agreement identifies your lender.
SunUp Financial, LLC, NMLS number 1331747.
AL Residents: Loans may be provided by either 1) SunUp Financial, LLC (License No. MC22640), or 2) Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. Your loan agreement identifies your lender.
DE residents: SunUp Financial, LLC is licensed by the Delaware State Bank Commissioner, License No.024137, expiring December 31, 2024.
TX Residents: Balance Credit is not the lender. Loans are provided by unaffiliated third-party lenders. For some loans, Balance Credit acts as both a Credit Services Organization and Credit Access Business when loans are provided by an unaffiliated third-party lender. Balance Credit is licensed by the Texas Office of the Consumer Credit Commissioner, License No. 1700059320-158634. Other loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. Your loan agreement identifies your lender.
* Rates & Terms vary by state. Balance Credit is not a lender in all states. Not all applications are approved.
** APPROVAL: In some cases, the decision may take longer; some customers applying for Balance Credit or third-party products may be required to submit additional documentation to verify application information. FUNDING: Applications processed and approved before 6 PM CT on business days and prior to 4:00 PM CT on Sundays are typically funded the next business day.
Customer testimonials and ratings reflect the individual’s own opinions and are not necessarily representative of all experiences.
USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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