Contacting Balance Credit is simple. You can contact us by email at support@balancecredit.com, or by phone at (855) 942-2526. Our support hours are Monday – Friday from 7 a.m. to 8 p.m. CST and Saturday from 8 a.m. to 5 p.m. CST.
We offer loans in the following states:
In Alaska, Arkansas, Arizona, Florida, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Montana, Ohio, Oklahoma, and Tennessee, loans are serviced by Balance Credit. However, they are provided and funded 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.
If you live in Alaska, Arkansas, Arizona, Florida, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Montana, Ohio, Oklahoma, or Tennessee, your loans will be serviced by Balance Credit. However, they are funded and 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 will identify lenders by state.
Capital Community Bank is the lender that originates loans in Alaska, Arkansas, Arizona, Florida, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Montana, Ohio, Oklahoma, and Tennessee. The loans are serviced by Balance Credit. Capital Community Bank is a Utah Chartered bank, located in Provo, Utah, Member FDIC. Your loan agreement identifies your lender.
We use pre-set criteria to check your eligibility for our loan services. If you received a letter, it means you were invited to apply based on the pre-set criteria. However, receiving this letter does not mean you automatically qualify. If you are interested in our loan services, you can complete our application and review your offer.
Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. The ACH network processes millions of transactions every day. This includes payroll direct deposits and vendor payments.
ACH is one way your payments get to Balance Credit. The payment transfers as an Electronic Funds Transfer (EFT) from your bank account. The payment will then go through automatically if there are sufficient funds in your account on the day payment is due.
The Annual Percentage Rate (APR) is a percentage that represents the annual cost of funds over the term of a loan. At Balance Credit, APR includes not only the interest charged but all fees and costs associated with the loan. This includes origination fees and closing costs.
By doing so, we provide a more comprehensive view of the total cost when borrowing. By showing these costs as an annual percentage, you can easily compare loan offers and understand the true cost of a loan over its lifetime.
You can apply through our website. We provide a simple online loan application that you can complete anytime. We are unable to submit an application over the phone or through the mail. If you need assistance with the application, our support team is available to help.
When applying, you will need the following:
To qualify for a loan with Balance Credit, you must meet the following requirements:
Other requirements may apply. Products are not available in all U.S. states. States serviced by Balance Credit are subject to change.
Applying will not affect your credit score. Balance Credit does not perform a hard credit inquiry with any of the three major credit bureaus. This means you can explore loan options without worrying about a negative impact on your credit. Our application process is simple and stress-free so you can get the funds you need when you need them.
While applying for a loan with Balance Credit won’t affect your credit score, taking one out may have an impact. Consistently making payments on time can improve your credit score. Missing payments or failing to pay back your balance could result in a significant drop in your credit score. This could affect your ability to secure credit in the future.
The loan amount you qualify for is determined during the application process. If approved, the amount can range between $100 and $3,000. This depends on your state of residence and specific credit criteria. If you pay off a loan on time, following your contract terms, you may be eligible for a larger loan in the future.
To apply, you must have a checking or savings account with unlimited debit and credit privileges. When you apply, you will enter your bank routing and account number on the application. To be eligible, this account cannot be linked with another Balance Credit account.
After completing the online application, you can click “AGREE AND CHECK YOUR ELIGIBILITY” to see if you automatically qualify.** You will get a message about your application status, or we will notify you if you need to provide additional verification. If your application was not approved, you will receive a Notice of Adverse Action within 30 days that will explain the decision.
When applying, you will provide your bank routing and account numbers. Once approved, your funds will be deposited directly into the bank account provided. Balance Credit utilizes direct deposit to automatically put funds into your account monthly.
Applications processed and approved before 6 p.m. CST on business days and before 4 p.m. CST on Sundays are typically funded the next business day. If you apply online after the cut-off, your application will be processed the next day. It is not uncommon for customers to receive their funds within 24 hours of applying.**
Balance Credit and its lending partners never charge application fees. The online application process only takes a few minutes. Click here to apply now!
Balance Credit cannot process applications over the phone. If you wish to apply, you can complete our online application in just a few minutes. If you need assistance, our agents are available most hours of the day. You can contact us or call our customer service team at (855) 942-2526.
If you wish to cancel your application, please contact us by 4 p.m. CST on the day of your submission. You can email us at support@balancecredit.com or call (855) 942-2526 for assistance. Our hours of operation are Monday – Friday from 7 a.m. to 8 p.m. CST and Saturday from 8 a.m. to 5 p.m. CST.
Bank Verification is a process we use to confirm your identity and the validity of your bank account. This step is crucial to the application process and required before we can begin transferring funds. If approved, this ensures funds are securely sent to the correct bank account.
There are no penalties for early or additional payments. If possible, it is always encouraged. Paying off your account early can help you save on interest and finance charges. If your budget allows, we encourage you to consider the following:
If you can’t make a payment on time, don’t panic. Reach out to us as soon as possible. We’ll discuss payment extensions or other arrangements that may better suit your needs. If you don’t contact us, additional interest may be charged for missed or partial payments.
Please contact us 3 business days before your scheduled payment date to discuss how we can assist you.
Payments can be made bi-weekly, semi-monthly, or monthly. Most borrowers choose to pay with automated withdrawals from their bank account. This helps you stay on top of payments with minimal effort. You need to ensure there are sufficient funds in your account on the day the automatic payment is due.
Not a problem! The quicker you communicate with us, the better we can continue to serve you without interruption. Please send us an email at support@balancecredit.com or call (855) 942-2526 with your new information so we can update our system.
You can reset your password through our website. To retrieve account access, you will need access to the email address associated with your Balance Credit account. If you do not have access to this email, you can call us at (855) 942-2526 so we can assist.
Please see our Terms of Use and Privacy Notice to read about what steps we take to protect you and your personal information.
Apply now! You’ll be finished before you know it. It’s fast. It’s simple. It’s Balance Credit.
Apply now! You’ll be finished before you know it. It’s fast. It’s simple. It’s Balance Credit.
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.
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.
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