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Debt Consolidation Loans

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Simplify Your Payments

A trip to the emergency room. Paying for unexpected damage to the house. Car breaks down on your way to work. There are countless reasons people get into debt. Once there are a few bills to pay, it’s time to think about how you want to pay them. Debt consolidation personal loans can be a way to simplify your payments and know when you’ll have the debt off your plate. There are debt consolidation loans that bad credit customers can use to take control of their finances as well. Whether you need to consolidate your debt or not, it is good to understand your options.

We want the process to be convenient and easy to follow.

What Is Debt Consolidation?

The concept of debt consolidation is straightforward — roll several debts into one. It’s usually intended for high-interest debts. If you have a variety of debts that you’re trying to manage each month, debt consolidation could work to your advantage. One payment instead of several can make it easier to meet your obligations and manage your bills.

Secured vs. Unsecured Debt Consolidation Loans

Balance Credit offers unsecured personal loans, which differ from secured debt consolidation. Consolidating your debt allows you to reorganize your debt, but you still need to pay it in full. A secured debt consolidation loan requires a valuable asset to secure the debt, such as your home or car. By comparison, an unsecured loan like the one you may be able to get from Balance Credit, doesn’t require you to put your residence or primary means of transport on the line.

Why Customers Choose Balance Credit

Balance Credit is here for our customers. However you choose to use our services, we want the process to be convenient and easy to follow. With a set payment schedule you always know what you’ll need to pay for each payment. Because it’s an installment loan, you know precisely when the loan will be paid. Your application will take a few minutes and, if approved, in many cases you can get your money by the next day.

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.

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