Select Your State to View Rates and Terms Below the Map
Texas
In Texas, Balance Credit is not a lender. Balance Credit acts as a Credit Services Organization (CSO) and Credit Access Business (CAB) and will attempt to arrange a loan between you and an unaffiliated third party lender ("Lender").Loan Amounts: $100 – $2,500
SCHEDULE OF ALL FEES
|
Most Common Loan Amount Borrowed |
CSO FEE |
LENDER INTEREST (10% PER YEAR) |
TOTAL FEES/INTEREST |
TOTAL OF PAYMENTS |
APR |
Common Loan Term |
|
$750 |
$977.08 |
$39.74 |
$1,016.82 |
$1,766.82 |
466.00% |
154 Days |
|
$1000 |
$1,099.48 |
$48.27 |
$1,147.75 |
$2,147.75 |
404.00% |
154 Days |
|
$1,250 |
$1,078.73 |
$53.54 |
$1,137.27 |
$2,382.27 |
329.00% |
154 Days |
| All payments (whether by ACH, electronic check, or other payment device) are subject to a $30 returned item fee. If your payment to the lender is more than 10 days past due, the lender may impose a late fee equal to 5% of the payment amount or $7.50, whichever is greater. No origination fees. |
SAMPLE LOAN TERMS
Below are 3 typical examples of multi-payment loans that BalanceCredit.com can help arrange for you. Please click on the link that is closest to the loan amount you are seeking.
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com. If BalanceCredit.com is unable to address your questions or concerns, you can also contact the Office of Consumer Credit Commissioner.
OCCC CONSUMER CREDIT NOTICE
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov.
Office of Consumer Credit Commissioner
2601 North Lamar Blvd
Austin, TX 78705-4207
Phone: 512-936-7600 or toll free 1-800-538-1579
Email:
consumer.complaints@occc.state.tx.us
http://occc.state.tx.us
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than
paying the debt in full when due will require the payment of additional charges.
Compliance with Texas Regulations
We operate in compliance with Texas regulations via our CAB License and CSO Registration below:
Click to expand license
Utah
Loan Amounts: $100 – $3,000
Compliance with Utah Regulations
We operate in compliance with Utah regulations via our registration below:
Click to expand license
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to
support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Department of Financial Institutions
PO BOX 146800
Salt Lake City, UT 84114-6800
Phone: 801-538-8830
Fax: 801-538-8894
https://dfi.utah.gov
Missouri
Loan Amounts: $100 – $3,000
APR: 98% – 750%
Compliance with Missouri Regulations
We operate in compliance with Missouri regulations via our lending license below:
Click to expand license
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to
support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Missouri Division of Finance
Harry S Truman State Office Building, Room 630
PO box 716, Jefferson City, Missouri 65102
Phone: 573.751.3242
Fax: 573.751.9192
https://finance.mo.gov
South Carolina
Loan Amounts: $650 – $3,000
Compliance with South Carolina Regulations
We operate in compliance with South Carolina regulations via our lending license below:
Click to expand license
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
South Carolina State Board of Financial Institutions (Consumer Finance Division)
1205 Pendleton Street, Suite 306
Columbia, SC 29201
Phone: 803.734.2020
Fax: 803.734.2025
http://www.consumerfinance.sc.gov
Ohio
In Ohio, Balance Credit is not a lender. Balance Credit acts as a Credit Services Organization ("CSO") under Ohio law and will attempt to arrange a loan between you and an unaffiliated third party lender("Lender").
Loan Amounts: $100 – $3,000
Balance Credit is licensed as a credit services organization by the Ohio Department of Commerce, Division of Financial Institutions, Certificate No. CS.900215.000
Click to expand license
If you have questions or concerns, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com. If Balance Credit is unable to address your questions or concerns, you can also contact the Ohio Department of Commerce, Division of Financial Institutions.
Ohio Department of Commerce
Division of Financial Institutions
77 South High St., 21st Floor
Columbus, OH 43215
Phone: 614-728-8400
http://www.com.state.oh.us/fiin/default.aspx
California
Loan Amount: $2,500 – $5,000
Compliance with California Regulations
Notice to California Customers: In California, SunUp Financial, LLC d/b/a Balance Credit’s loans are made pursuant to California Finance Lender License No. 603K811 issued by the California Department of Business Oversight and in accordance with
the California Financing Law. California customers can contact Balance Credit by phone at 1-855-942-2526, by email at support@balancecredit.com, by mail at P.O. Box 4356 Dept #1557, Houston, TX 77210, or at our website at www.balancecredit.com.
Click to expand license
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Department of Business Oversight
Financial Services Division
320 W. 4th Street
Suite 750
Los Angeles, CA 90013-1105
(213)576-7500
http://www.dbo.ca.gov
Delaware
Loan Amounts: $100 – $3,000
Compliance with Delaware Regulations
We operate in compliance with Delaware regulations, License No.024137. Visit the Delaware State Bank Commissioner website and search for SunUp Financial, LLC to see our license.
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Department of Financial Institutions
Office of the State Bank Commissioner
555 E. Loockerman Street, Suite 210
Dover, DE 19901
Phone: 302.739.4235
Fax: 302.739.3609
www.state.de.us
Illinois ( English | Español )
English:
Loan Amounts: $500 - $2000
Compliance with Illinois Regulations
We operate in compliance with Illinois regulations via our lending license below:
Click to expand license
Additional Information
By Illinois regulation, all Illinois customers must have a pay stub on file with Balance Credit when receiving a loan. Please e-mail your latest pay stub when applying to ensure quick processing of your loan.
If you receive income by means other than an employer, please e-mail other proof of your Social Security, retirement benefits including VA benefits and pension plans, disability, child support or alimony payments.
All materials may be sent via email to originations@balancecredit.com. As soon as we receive this, we will be able to complete your loan request.
Illinois Disclosures
The charts below represent illustrative examples of the cost of payday and installment-payday loans. Please see your loan agreement for the annual percentage rate (APR) and other terms applicable to your loan.
If you borrowed $100 and repaid in a single payment of $115.50 within 13 days:
|
APR |
Finance Charge |
Amount Financed |
Total of Payments |
|
435.19% |
$15.50 |
$100 |
$115.50 |
If you borrowed $400 and repaid in a single payment of $462 within 30 days:
|
APR |
Finance Charge |
Amount Financed |
Total of Payments |
|
188.58% |
$62 |
$400 |
$462 |
If you borrowed $400 and repaid once a month, you would make six (6) payments of
|
APR |
Finance Charge |
Amount Financed |
Total of Payments |
|
185.99% |
$242.72 |
$400 |
$642.72 |
You cannot be prosecuted in criminal court to collect this loan.
Warning
This loan is not intended to meet long-term financial needs. This loan should be used only to meet short-term cash needs. The cost of your loan may be higher than loans offered by other lending institutions. This loan is regulated by the Department of Financial and Professional Regulation.
Interest-Free Repayment Plan
If you still owe on one or more payday loans, other than an installment-payday loan, after 35 days, you are entitled to enter into a repayment plan. The repayment plan will give you at least 55 days to repay your loan in installments with no additional finance charges, interest, fees, or other charges of any kind.
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Illinois Department of Financial & Professional Regulation
Division of Financial Institutions
100 West Randolph Street
9th Floor
Chicago, IL 60601
1-888-298-8089
https://www.idfpr.com/
Illinois Pamphlets
English Version | Spanish Version
Illinois ( English | Español )
Español:
Montos del préstamo: $500 - $2000
Cumplimiento con las regulaciones de Illinois
Operamos de acuerdo con las regulaciones de Illinois a través de nuestra licencia de préstamo a continuación:
Haga clic para ampliar la licencia
Información Adicional
Según la regulación de Illinois, todos los clientes de Illinois deben tener un talón de pago en el archivo de Balance Credit cuando reciben un préstamo. Envíe por correo electrónico su último recibo de pago cuando solicite para garantizar un procesamiento rápido de su préstamo.
Si recibe ingresos a través de un medio que no sea un empleador, envíe por correo electrónico otra prueba de sus pagos de Seguro Social, beneficios de retiro incluyendo beneficios de Veteranos y pensiones, discapacidad, manutención infantil o pensión alimenticia.
Todos los materiales pueden enviarse por correo electrónico a originations@balancecredit.com.
Tan pronto como recibamos esto, podremos completar su solicitud de préstamo.
Declaración de Illinois
Los cuadros a continuación representan ejemplos ilustrativos del costo del día de pago y de los préstamos de día de pago a plazos. Consulte su contrato de préstamo para conocer la tasa de porcentaje anual (APR) y otros términos aplicables a su préstamo.
Si tomó prestados $ 100 y pagó en un solo pago de $ 115.50 en 13 días:
|
APR |
Comisión financiera |
Importe financiado |
Total de pagos |
|
435.19% |
$15.50 |
$100 |
$115.50 |
Si tomó prestados $ 400 y paga en un solo pago de $ 462 dentro de los 30 días:
|
APR |
Comisión financiera |
Importe financiado |
Total de pagos |
|
188.58% |
$62 |
$400 |
$462 |
Si tomó prestados $ 400 y paga una vez al mes, haría seis (6) pagos de $ 107.12:
|
APR |
Comisión financiera |
Importe financiado |
Total de pagos |
|
185.99% |
$242.72 |
$400 |
$642.72 |
Usted no puede ser procesado en un tribunal penal para cobrar este préstamo.
Advertencia
Este préstamo no está destinado a satisfacer las necesidades financieras a largo plazo. Este préstamo debe usarse solo para satisfacer las necesidades de efectivo a corto plazo. El costo de su préstamo puede ser más alto que los préstamos ofrecidos por otras instituciones de crédito. Este préstamo está regulado por el Departamento de Regulación Financiera y Profesional de Illinois.
Plan de pago sin intereses
Si aún debe uno o más préstamos de día de pago, a excepción de un préstamo de dia de pago a plazo, después de 35 días, usted tiene derecho a ingresar en un plan de pago. El plan de pago le dará al menos 55 días para pagar su préstamo en cuotas sin cargos financieros adicionales, intereses, tarifas u otros cargos de ningún tipo.
Ley que rige
Si tienes preguntas o inquietudes sobre su préstamo, comuníquese con Balance Credit por teléfono al 855-942-2526 o enviando un correo electrónico a support@balancecredit.com.
Si Balance Credit no puede responder sus preguntas o inquietudes, también puede comunicarse directamente con la agencia reguladora estatal:
Departamento de Regulación Financiera y Profesional de Illinois
Division of Financial Institutions
100 West Randolph Street
9th Floor
Chicago, IL 60601
1-888-298-8089
https://www.idfpr.com/
Panfletos para Illinois
English Version | Spanish Version
Cumplimiento de las regulaciones federales
Cumplimos con todas las regulaciones federales aplicables, que incluyen, entre otras:
New Mexico
Loan Amounts: $500 – $3,000
Compliance with New Mexico Regulations
We operate in compliance with New Mexico regulations via our lending license below:
New Mexico Pamphlets
NM Consumer Information Brochure
NM Loan Rates and Fees Disclosure
New Mexico Residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL:
Balance Credit
PO Box 4356, Dept #1557
Houston, TX 77210-4356
(855) 942-2526
This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.
To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to
support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
New Mexico Financial Institutions Division
P.O. Box 25101
Santa Fe, NM 87505
Phone: 505.476.4885
Fax: 505.476.4670
www.rld.state.nm.us/financialinstitutions
Idaho
Loan Amounts: $100 – $3,000
Compliance with Idaho Regulations
We operate in compliance with Idaho regulations with Regulated Lender License #RLL-9703
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Department of Finance
800 Park Blvd., Suite 200
Boise, ID 83712
P.O. Box 83720
Boise, ID 83720-0031
Phone: (208)332-8000
Toll-Free (Within Idaho Only): 1-888-346-3378
E-Mail: finance@finance.idaho.gov
http://www.finance.idaho.gov
Wisconsin
Loan Amounts: $100 – $3,000
Compliance with Wisconsin Regulations
We operate in compliance with Wisconsin regulations via our lending license below:
Click to expand license
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to
support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Department of Financial Institutions
4822 Madison Yards Way, North Tower
Madison, WI 53705
Phone: 608.261.9555
Fax: 608.261.7200
https://www.wdfi.org
Virginia
Loan Amounts: $100 – $3,000
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
Mississippi
Loan Amounts: $550 – $2,500
Compliance with Mississippi Regulations
We operate in compliance with Mississippi regulations via our license below:
Click to expand license
Governing Law
If you have questions or concerns about your loan, please contact Balance Credit by phone at 855-942-2526 or by sending an email to support@balancecredit.com.
If Balance Credit is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Department of Banking and Consumer Finance
PO BOX 12129
Jackson, MS 39236
Phone: 800-844-2499
Fax: 601-321-6933
Mississippi Pamphlets
General Information Regarding “Credit Availability” Transactions.
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