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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

Alabama Consumer Credit 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 – $3,000 Click to expand license Alaska Business 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 – $3,000

Click to expand license

Arizona License 

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 – $3,000 Click to expand license Arkansas Lending License

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
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 – $3,010.85 Click to expand license FL Collection Agency License

Loan Amounts: $100 – $3,000

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 – $3,000

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 – $3,000

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 – $3,000

Click to expand license

LOUISIANA 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 – $3,000

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 – $3,000

Click to expand license

MN 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 – $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

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 – $3,000

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 – $3,000

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 – $3,000

Click to expand license

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 South Carolina License South Carolina License South Carolina Consumer Credit Grantor Certificate South Carolina Consumer Credit Grantor Certificate South Carolina Max Rate Schedule South Carolina Max Rate Schedule
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
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 – $3,000 Click to expand license Tennessee License
In Texas, Balance Credit is not a lender. Balance Credit either 1) 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”), or 2) facilitates loans that 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.

CSO and CAB

Below are examples of typical loan amounts, fees, and terms of lenders for whom Balance Credit acts as a CSO and CAB. Loan Amounts: $100 – $2,500 SCHEDULE OF ALL FEES examples of typical loan amounts 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 https://occc.texas.gov/ 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 CSO Registration Texas Texas License Sunup

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 – $3,000 Click to expand license Texas Registered Lender License
Loan Amounts: $100 – $3,000
Compliance with Utah Regulations
We operate in compliance with Utah regulations via our registration below: Click to expand license Utah 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 dfi.utah.gov
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 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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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.

©2024 SunUp Financial, LLC.