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State Disclosures

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Select Your State to View Rates and Terms Below

Alabama

Alaska

Arizona

Arkansas

Delaware

Florida

Idaho

Indiana

Kansas

Kentucky

Louisiana

Michigan

Minnesota

Mississippi

Missouri

Montana

Ohio

Oklahoma

South Carolina

Tennessee

Texas

Utah

Wisconsin

In Alabama, 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.

 

Balance Credit

Loan Amounts: $2,050 – $5,000

Compliance with Alabama Regulations

We operate in compliance with Alabama 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
State Banking Department
Bureau of Loans
P.O. Box 4600
Montgomery, Alabama 36103-4600
Phone: 334.242.3452
www.banking.alabama.gov

 

Capital Community Bank

Below are typical loan amounts offered by Capital Community Bank (or by one of its affiliates or divisions), a Utah Charted bank, located in Provo, Utah, Member FDIC.

Loan Amounts: $500 – $3,000

In Alaska, 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.

Loan Amounts: $500 – $4,000

Click to expand license

In Arizona, 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.

Loan Amounts: $500 – $4,000

Click to expand license

 AZ Business Certificate

In Arkansas, 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.

Loan Amounts: $500 – $4,000

Click to expand license

Collection Agency License

Loan Amounts: $100 – $4,000

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
banking.delaware.gov

In Florida, 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.

Loan Amounts: $502.10 – $4,010.85

Click to expand license

FL - Consumer Collection Agency License_2025

Loan Amounts: $100 – $4,000

Compliance with Idaho Regulations

We operate in compliance with Idaho regulations with Regulated Lender License #RRL-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 Financial Institutions
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
Email: finance@finance.idaho.gov
www.finance.idaho.gov

In Indiana, 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.

Loan Amounts: $500 – $4,000

As of March 25, 2021 we are no longer originating Lines of Credit.

In Kansas, 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 Kentucky, 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.

Loan Amounts: $500 – $4,000

In Louisiana, 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.

Loan Amounts: $500 – $4,000

Click to expand license

LA State License

In Michigan, 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.

Loan Amounts: $500 – $4,000

In Minnesota, 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.

Loan Amounts: $1,400 – $4,000

Click to expand license

MN State License

Loan Amounts: $550 – $2,500

Compliance with Mississippi Regulations

We operate in compliance with Mississippi regulations, License No. 003359.

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
dbcf.ms.gov

Mississippi Pamphlets

General Information Regarding “Credit Availability” Transactions.

Loan Amounts: $100 – $4,000
APR: 98% – 750%

Compliance with Missouri Regulations

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

Click to expand license

Missouri State License 2024-2025

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
finance.mo.gov

In Montana, 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.

Loan Amounts: $500 – $4,000

In Ohio, 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.

Loan Amounts: $500 – $4,000

Click to expand license

Ohio License

In Oklahoma, 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.

Loan Amounts: $500 – $4,000

Click to expand license

In South Carolina, loans may be provided by either 1) SunUp Financial, LLC (License No. SL – 1331747), 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.

 

Balance Credit

Loan Amounts: $650 – $4,000

Compliance with South Carolina Regulations

We operate in compliance with South Carolina regulations via our lending license below:

Click to expand license

South Carolina LicenseSouth Carolina License

South Carolina Pamphlets

SC Consumer Rights Information Brochure

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
consumerfinance.sc.gov

 

Capital Community Bank

Below are the typical loan amounts offered by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC.

Loan Amounts: $500 – $4,000

In Tennessee, 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.

Loan Amounts: $500 – $4,000

Click to expand license

TN SunUp License Certificate

Capital Community Bank

In Texas, 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.

Below are the typical loan amounts offered by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC.

Loan Amounts: $500 – $4,000

Click to expand license

Texas Registered Lender License

CSO and CAB

Click to expand licenses

CSO Registration Texas  Texas License Sunup

Loan Amounts: $100 – $4,000

Compliance with Utah Regulations

We operate in compliance with Utah regulations.

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
dfi.utah.gov

Loan Amounts: $100 – $4,000

Compliance with Wisconsin Regulations

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

Click to expand license

Wisconsin 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
www.wdfi.org

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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.

©2025 SunUp Financial, LLC.