Last Updated: 02/02/2026
Balance Credit Personal Loans
Claimed
in Personal Loans from SunUp Financial, LLC
Last Updated: 02/02/2026
SuperMoney User Recommendation Score +47
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APR (Fixed APR)
Amount Range
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Balance Credit Personal Loans Review
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, you can sometimes get your money within 1 business day*.
- 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 |
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Balance Credit FAQ
What interest rates and personal loan terms does Balance Credit offer?
What interest rates does Balance Credit offer?
How much can you borrow via Balance Credit?
What is the maximum loan term you can get with Balance Credit?
| 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?
Does Balance Credit charge a late fee?
Does Balance Credit charge prepayment fees?
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
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.| Minimum Age | 18 (Age minimum is always the state minimum, which is usually 18 or 19.) |
| Bank Account Required? | Yes |
| Credit Score | 300 - 680 |
What is the estimated funding time for a personal loan via Balance Credit?
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.Are Balance Credit Personal Loans legit?
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.
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