How Balance Credit Works:
3 Simple steps to the cash you need

Quick Application

Fill out our simple online form in just minutes - with zero impact on your traditional credit score. Many applicants receive their decision instantly!* No paperwork, no waiting in line.

‍Personalized Offers

If approved, you can qualify for between $100 and $4000 based on your state location and financial profile. Paying your loan on time and following your contract terms may allow you to be eligible for higher loan amounts and lower payment sizes in the future.

Fast Funding

Money when you need it—not when it's too late. Approved applications could see funds deposited as soon as the next business day,** giving you quick access to financial relief.

HOW DO ONLINE PERSONAL LOANS WORK?

Get Your Cash in 3 Easy Steps:

Whether you're looking to handle surprise medical costs or simplify your finances by consolidating debt, Balance Credit loans are unsecured and require zero collateral.

We look beyond credit scores to see the complete picture—so even if your credit isn't perfect, we still encourage you to submit an application today.

Your financial journey doesn't have to be complicated.
Balance Credit was made with you in mind.

Check Eligibility

Quick, Flexible Solutions for Every Credit Profile

Ready to Take Control of Your Finances?

Don't let financial stress hold you back. With Balance Credit, you're just minutes away from the funds you need to get back on track.

$300M+

in funding

500K+

Unique Borrowers

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Need More Information?

Browse our FAQ section for answers to commonly asked questions, or contact our support team for personalized assistance.

See our Frequently Asked Questions

The information contained in this post is for general educational and informational purposes only. It is not an offer of credit, does not fully describe the products that we offer or facilitate, and it is not specific to any individual. These products are an expensive form of credit, and you should ensure that they meet your unique financial needs. We are not a credit repair organization and make no representation that we or any loan will improve or attempt to improve your credit rating. We do not provide financial advice or assistance regarding your credit situation. These educational posts are not a substitute for individualized professional advice.

By clicking on the TrustPilot link above you will leave balancecredit.com and be redirected to a different website operated and maintained by that site owner. The privacy policy and terms and conditions of that website will apply, which may differ from those of Balance Credit.

Your Trusted Financial Solution When Life Happens.

This loan is designed to help with short term, immediate financial needs. It could be considered a costly form of credit and may not be the best long-term solution for your personal situation. Make sure you understand the loan terms and can repay on time.

In AK, AR, AZ, FL, IN, KS, KY, LA, MI, MN, MT, OH, OK, SC, TN and TX, 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.

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, 2025.

* 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.