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Last Updated: 02/02/2026

Balance Credit Personal Loans

from SunUp Financial, LLC

Last Updated: 02/02/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly recommended326 total votes

230 users recommend

18 users are unsure

78 users don't recommend

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Highlights

Community Rating

Mostly recommended

APR (Fixed APR)

99% - 720%(Verified 09/22/2025)

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Amount Range

$100 - $4,000

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Loan Term (Months)

4 - 18

Number of Reviews

326

Balance Credit Personal Loans Review

Balance Credit Personal Loans is offered by SunUp Financial, LLC, a direct lender founded in 2014 and based in Chicago, IL. Balance Credit are available in 18 states.

Key Takeaways

APRs starting at 99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Balance Credit Personal Loans are on the higher end of the spectrum.
Fast access to funds. If approved, SunUp Financial, LLC will send the money in as little as 24 hours.
Prequalified rate. You can check your prequalified rate at SunUp Financial, LLC with a soft pull that will not affect your FICO or VantageScore.
No origination fee. Balance Credit Personal Loans does not charge a loan origination fee.
No late fees. Balance Credit Personal Loans will not charge additional fees if you miss the due date on a payment.
Short loan terms. Balance Credit Personal Loans have loan terms as short as 4 months.

Balance Credit Pros & Cons

Pros

Cons

No prepayment penalty.
No origination fees.
Considers applicants of all credit types.
Get funded in as little as 1 business day.

APRs as high as 720%.
Balance Credit Personal Loans does not report to credit bureaus.
No co-sign option available.

Balance Credit FAQ

What interest rates and personal loan terms does Balance Credit offer?

Balance Credit has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Balance Credit offer?

Balance Credit offers a fixed APR personal loan product that ranges from 99% APR up to 720% APR.

How much can you borrow via Balance Credit?

Personal loan amounts start at $100 and go up to $4,000

What is the maximum loan term you can get with Balance Credit?

Balance Credit offers loans with terms of up to 18 months.

Balance Credit Interest Rates & Loan Terms

Personal Loan Amount

$100 - $4000

Loan Term

4 - 18 months

APR

99% - 720%

What fees does Balance Credit charge?

Does Balance Credit charge an origination fee?

Balance Credit does not charge a personal loan origination fee.

A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.

Does Balance Credit charge a late fee?

No, Balance Credit will not charge you a late fee if you miss payments.

Does Balance Credit charge prepayment fees?

No, Balance Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Balance Credit Fees

Origination Fee

Prepayment Fee

Late Payment Fee

What do you need to qualify for Balance Credit Personal Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher. Age minimum is always the state minimum, which is usually 18 or 19.

Balance Credit Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Balance Credit Personal Loans.

Balance Credit Eligibility Criteria

Minimum Age

18 (Age minimum is always the state minimum, which is usually 18 or 19.)

Bank Account Required?

Yes

Application Types Accepted

Individual Applications

Credit Score

300 - 680

What is the estimated funding time for a personal loan via Balance Credit?

Balance Credit will typically fund loans within 1 to 2 business days of approval and clearing necessary verifications.

Does SunUp Financial, LLC perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.

Balance Credit allows you to check your rates with a soft credit pull.

Are Balance Credit Personal Loans legit?

SunUp Financial was founded in 2014, it is a well-established company that has been in business for 12 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

Balance Credit Personal Loans Disclosure: *Loan amount and approval not guaranteed. Loan approval and amounts are based on state law, minimum income amounts and other credit criteria. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement. **Balance Credit or third-party lender reserve the right to make adjustments to your approval until the time you receive the funds in your bank account based on new information regarding your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Balance Credit

Sometimes an unexpected event can throw your life and finances off balance. We’re on your side, and strive to help with the simple solution for life’s little hiccups. Get emergency cash – fast. We offer personal installment loans, allowing you to set the amount and the number of payments - depending upon your credit, personal financial history, and according to state law. Go to our site and fill out our quick and easy online application to check your eligibility.

Contact

Headquarters

306 W Erie St

Chicago, IL 60654

Visit Site

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APR

35.9%

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Amount Range

$2.5K - $10K

Loan Term (Months)

24 - 60

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +47, or 3.9 on a 5-point rating scale.

+47

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Balance Credit Personal Loans Community Reviews

Would you recommend Balance Credit Personal Loans to your friends?

Randal W.

Jun 25, 2024

May or may not recommend

This was quick, and came exactly when I needed. I’m very appreciative, thanks Supermoney.

Michelle P.

May 20, 2024

May or may not recommend

They helped me out when I really needed it and they are willing to work with you. And they will refinance, so you can pay off your old loan and redo a new one.

Danny G.

May 9, 2024

May or may not recommend

I'm a previous customer. The application is easy to apply. And you receive a quick response

Betty R.

Apr 19, 2024

May or may not recommend

I will be introducing balance to my family friends coworker

Betty R.

Apr 19, 2024

May or may not recommend

This is my third time using balance and then I never had any issues with the company I really enjoy using them

Lauralie H.

Jan 5, 2024

May or may not recommend

Very easy, quick and efficient. Would do it again if I had to.

Anonymous

Dec 7, 2023

May or may not recommend

The process is quick and easy. Im grateful but the interests rate is beyond helpful.

Anonymous

Dec 1, 2023

May or may not recommend

Got me approved in minutes and now I've caught all my credit cards up.

Cheryl D.

Nov 30, 2023

May or may not recommend

Everything went fast and smooth, I would definitely use this again

Darrell A.

Nov 26, 2023

May or may not recommend

good to work with,also in a timely manner and very good experience.

Jose A.

Nov 13, 2023

May or may not recommend

Ty very much ty ty - its been very help ful

Loren H.

Nov 10, 2023

May or may not recommend

It was nice to be able to refinance and get money back when you need

Anonymous

Oct 31, 2023

May or may not recommend

Everything was good and I appreciate the help for my family.

Johnnie L.

Oct 27, 2023

May or may not recommend

I have had several loans with Balance over the years. I like how fast and easy the process of securing a new loan is when reapplying.

Sandra C.

Oct 13, 2023

May or may not recommend

The interest rate is way too high.Bad decision on my part.

Brenda M.

Oct 11, 2023

May or may not recommend

It's just a maybe and some people don't have good credit

Chuck S.

Oct 10, 2023

May or may not recommend

Easy application and process to direct deposit funds into my account

Ricky M.

Oct 9, 2023

May or may not recommend

During the process the service personnel were always doing what they said. I was kept informed all through the process which did not require much effort on my end. Thank you "Balance Credit Personal Loans" for all your help.

Phillip T.

Oct 5, 2023

May or may not recommend

Balance Credit were there for me when I needed Financial help, I know this will help my credit.

Damon R.

Oct 5, 2023

May or may not recommend

Quick and easy, for when you need money fast and don't have gas to go to a brick and mortar business.

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