Select Your State to View Rates and Terms Below the Map

Texas

Loan Amounts: $100 – $2,500

SCHEDULE OF ALL FEES
In Texas, BalanceCredit.com is not a lender. We are a Credit Services Organization (CSO) and Credit Access Business (CAB) and we can’t promise that the lender will extend credit to you. The lender makes simple interest loans at a yearly rate not to exceed 10%. We are helping you obtain an extension of consumer credit from the lender and for this service, we will charge you a CSO fee. The amount of the CSO fee you will be charged is based on the amount of the loan you obtain from the lender.
You are not required to pay all of the CSO fee at once. Each payment amount will include a portion of the CSO fee, and you can save on interest and fees by paying off your loan early at any time.
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.

 

8 BI-WEEKLY PAYMENTS
(112 DAY TOTAL TERM)

CSO FEE

LENDER INTEREST (10% PER YEAR)

TOTAL FEES/INTEREST

TOTAL OF PAYMENTS

APR

$500

$1,041.00

$35.42

$1,076.24

$1,576.24

689.00%

$800

$1,535.44

$53.69

$1,589.13

$2,389.13

644.00%

$1,000

$1,812.38

$64.66

$1,877.04

$2,877.04

614.00%

 

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.

 
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 by the State of Texas – Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems.

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 – $2,500

Compliance with Utah Regulations
We operate in compliance with Utah regulations via our lending license below:

Click to expand license
Utah-lending-license-201701-150x150

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 – $2,500
Max APR: 750%

Compliance with Missouri Regulations
We operate in compliance with Missouri regulations via our lending license below:

Click to expand license
Missouri-lending-license-21-231x300

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 – $2,500

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 – $2,500

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: $2,600 – $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 Finance Lenders 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
California-license-8.25.16-thumb

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 – $2,500

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


New Mexico

Loan Amounts: $100 – $2,500

Compliance with New Mexico Regulations
We operate in compliance with New Mexico regulations via our lending license below:

Click to expand license information
New-mexico-lending-license-thumb
Download important consumer information
for installment loan customers:

English | Spanish

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


Wisconsin

Loan Amounts: $100 – $2,500

Compliance with Wisconsin Regulations
We operate in compliance with Wisconsin regulations via our lending license below:

Click to expand license
Wisconsin-lending-license-11-231x300

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
345 W Washington Avenue
Madison, WI 53703
Phone: 608.261.9555
Fax: 608.261.7200
https://www.wdfi.org


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