How it Works

Balance Credit Just Works

Getting the money you need has never been simpler than with Balance Credit. Our streamlined process begins with an online application that only takes a few minutes. Then, our advanced technology determines the maximum amount you can borrow.

We understand that when you need funds, time is of the essence. That’s why we work so fast. Most customers receive funds as soon as the next day.** With Balance Credit, you can trust that getting financial help will always be convenient and efficient.

Need Help?

Check out our FAQ!

Ready to regain control of your finances? Start by completing the quick and secure Balance Credit application online. You can receive the cash you need in just a few minutes to get back on track. We will deposit the funds directly into your bank account as soon as the next business day!**

Apply in 3 Easy Steps:

Begin Your Balance Credit Application

Completing the online application will only take a few minutes.

Complete the Secure Online Form

Our online application is fast. Once approved, you can have your cash as soon as the next business day!**

Get the Cash You Need to Get Back on Track

Have your funds secured with a direct deposit right into your bank account.**

Apply with Balance Credit Today!

Apply for a loan with Balance Credit and experience a quick, hassle-free process that gets you the funds you need. Our easy online application takes just minutes, and you can have your money as soon as the next day.** Don’t wait—start now and take control of your financial future!

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.

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.

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.