Balance Credit Personal Loans
Balance Credit Personal Loans Unaffiliated

Balance Credit Personal Loans

SuperMoney Net Recommendation Score +23  


This product is mostly recommended by SuperMoney users with a score of +23, equating to 3.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

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Spotloan 24 reviews
Community Rating Mostly recommended
APR  (Fixed APR) 99% - 720%
Loan Amount $100 - $5,000
Loan Term (Months) 4 - 30 months
Number of Reviews 214

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 Personal Loans are available in 25 states across the USA.

Key Takeaways

  • APRs starting at 99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Balance Credit Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases, you can 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 credit score.
  • No origination fee. Balance Credit Personal Loans does not charge a loan origination fee.
  • No late fees. Missing a payment can seriously damage your credit, but 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
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Funding available within 2 business days.
  • APRs as high as 720%.
  • Balance Credit Personal Loans does not report to credit bureaus.

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 $5,000.

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

Balance Credit offers loans with terms of up to 30 months.

Balance Credit Interest Rates & Loan Terms
Personal Loan Amount $100 - $5000
Loan Term 4 - 30 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, go with 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 one of the monthly 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 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.

Balance Credit Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Balance Credit Personal Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Balance Credit Personal Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

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
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 700

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

    Balance Credit will typically approve (or deny) a loan application within 1 hour and fund loans within 2 business days of approval.

    Is SunUp Financial, LLC a legit company?

    SunUp Financial, LLC was founded in 2014, it is a well-established company that has been in business for 9 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: 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.


    • Headquarters
    •   33 N LaSalle St
      Chicago, IL 60602 USA
    •   Visit Site

    About Balance Credit Personal Loans

    Icon for Personal Loans
    View all personal loans offered by SunUp Financial, LLC


      Available in 25 states
    • Alaska
    • Alabama
    • Arkansas
    • Arizona
    • Delaware
    • Florida
    • Idaho
    • Indiana
    • Kansas
    • Kentucky
    • Michigan
    • Minnesota
    • Missouri
    • Mississippi
    • Montana
    • Nebraska
    • New Mexico
    • Ohio
    • Oklahoma
    • South Carolina
    • Tennessee
    • Texas
    • Utah
    • Washington
    • Wisconsin

    Feature Breakdown

    No Late Fees
    No Origination Fee
    No Prepayment Fee
    Checking Account Required
    Employment Statuses Considered Employed Full-Time
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Credit Score Range 300 - 700
    APR Type Fixed APR
    Loan Amount $100 - $5,000
    APR (Fixed APR) 99% - 720%
    Loan Term 4 - 30 months

    Balance Credit Personal Loans Community Reviews


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    This product is mostly recommended by SuperMoney users with a score of +23, equating to 3.5 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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