Balance Credit Reviews

I have used Balance Credit a few times; it’s fast and convenient. I do recommend paying more than the minimum or extra here and there. The APR is high. But payments are reasonable.. I took out another one and paid a few things off and now can focus on just this one.

The application process at Balance Credit was really simple. It took 10 minutes. My experience with them was great, easy and fast.

There are other entities that can charge way less. Yes funding is same day, but again it take you two years to pay the loan back again paying back almost three times what you received.

Quick and easy process when I needed money, great customer service and same day funding. Application was easy and self explanatory, any questions I had were answered quickly by customer support. I highly recommend this company as I have never had any issues when dealing with them, they came through when I needed them most.

The application process at Balance Credit was easy. Everything was taken care of within 30 minutes, and I didn’t have to speak to a live person. The loan has been helpful.

Balance Credit has been good to me when things are rough. The process has become easier and quicker, and in my experience, the money was deposited in almost two days. They’re doing a great job with people who need a loan.

Obtaining a loan is easy. You don’t really need to talk to anybody and just do it all online. In my experience, the money goes into my bank account within 24 hours the next day. It's convenient and okay when you're in a pinch, but the high interest rates will get you. So, you have to really balance the good and the bad with it.

Fast, reliable, and truly helpful — especially during the busy holiday season. When unexpected car issues came up, I was feeling stressed and unsure of what to do next. Thankfully, Balance Credit was there right when I needed support the most. The process was straightforward, quick, and completely stress-free, which made a difficult situation much easier to manage.

At first I thought the experience was seamless and the funds were deposited right away. I made my payments on time and then got an email offering an additional 4000 with a refinance. This however was almost like a bait and switch as instead of 4000 I ended up with a longer loan and only 65 dollars. I called them immediately and they refused to cancel it even though I called them within 24 hours.

Transaction handled with accuracy and in a timely manner, please know l appreciate your concern for me to receive extra money at this time. l really needed assistance from Balance Credit. I promise to repay full amount of loan and interest. l realize your interest rate is higher than some other loan companies but l agreed to your terms.

The application itself wasn’t hard. I never talked to a live person. I completed the application, got approved, and the money was deposited within a couple of days. I’m sure they adjusted the interest based on my credit score. But I probably won’t use Balance Credit again in the future because the interest rates are too high. The monthly payments are much higher than when I go with NetCredit or Off Loan. For $2,000, you gotta pay almost $400 for like 12 or 18 months. With NetCredit, based on my experience, I was able to get almost double the amount at a much lower interest, like $389 a month.

Balance Credit's loan is affordable and a lot better than some of the other companies. The process is simple, and you just do it all on the phone.

My mom had a loan through them, and so, I tried as well. The process was very easy and they do everything very well. I haven't really had any issues.

This was a great choice for very needed funds. I knew I would be able to pay back fast in few months but I had a problem. I needed for business computer. Got it for 350. Thanks for helping me get approved so fast to my bank and easy payments.

I have been having a hard time with bills and food and Balance send me a notice saying I could add to my loan, what a god sent at the time I was in need so when I got that email I was worrying about groceries and how I was going to make it. So I applied and had the money the next day. Thank you.🙂

Refinancing my loan was quick and easy. I didn't have no problem with the process. Thank you Balance Credit. I would definitely recommend Balance Credit to my family and friends. I have been dealing with Balance Credit since 2024 and will reach out to them in the future for my financial needs.

I really like Balance Credit. Anytime I need to renew, I have no problem. The process was quick and easy. I did it online, and it went through the process, and I got a reply fast. It was not difficult at all.

Balance Credit was always there when I needed them. They are quick to respond. Easy application and customer service always courteous and helpful. It takes same day or one business day to receive your money. I have used them a few times and will again if I need to. Interest is high but you know that from the start.

I had my first loan with them. I had no issues with the company. Everyone is very nice with this company and the loan is an easy process. I am on my second loan. The payments are not bad at all. If you need help, all you have to do is call and talk to somebody.

I accidentally picked the wrong date for my paycheck and my payment was taken out today. I called and was told it would take a week to refund. I don’t even know if they corrected the date to my actual payday. I am now overdrawn. I would think that if you can provide a loan in the same day then you can refund or give me an equivalent amount in the same day.

What I like most is no communications needed. My accounted was debited each month and when I needed a new deal, I did it entirely online. They send updates on my account which is always very accurate. I would definitely do business with them again and again. I would recommend dealing with Balance Credit to my family and friends.

I have been with Balance Credit for several years now. I have taken multiple loans out and have always had a great experience. . Balance is my GO TO place as we've established a great relationships over the years. It's very fast to apply and pretty much instant without any drama or red tape. Thanks.

I have made on-time payments for over 8 months and balance hasn't moved. I also had a previous loan which I paid off. I recently refinanced and it just added more to balance without reducing apy...which I thought it did. Why not allow people to make progress... I have already paid the amount back and then some. The fact you didn't change the rate is disgusting and usury. I have been a loyal customer made every payment on time.. I'm contacting my attorney because this is wrong.

You all have made it so easy to obtain an emergency loan, and with low payments. Everyone is always so friendly and polite. It is also easy to complete the process online. I was especially surprised on the quick turnaround from loan to the funds in my bank. Thank you so much for easing my mind.

Fast response time and was able to get everything i needed next day! I was also offered a great refinance for much less APR%. I would recommend them to anyone that needs to get a Loan. The best thing is receiving the funds next day, as well as having multiple ways to pay it.

2nd time using Balance Credit and website is very easy to use. Highly recommend if you’re looking for a quick solution. Approval was nearly instant and confirmation of distribution was very fast. Also like the fact they do not blast you with ongoing marketing emails and texts. You can also pay off early with no penalty or extra fees. Payoff on first loan was also easy.

The process is quick and easy. It's all done online and you get the funds quickly. They market themselves as lower than payday loans, but they are still predatory loans ... a very expensive form of credit. The people are very nice, but the interest rates are HIGH. This should only be used as a last resort of credit.

Balance Credit has been very easy to work with. Once you become an established customer, they process your request same day. They should only be used short term. They understand this. Interest rate a bit high. Pay off ASAP. Request another loan as needed later. I do not think the company expects you to ride out the loan full term. To costly. Procedures to get a loan are simple and straightforward. Emergency situations is how you should use this company.

Balance Credit's application process was quick and easy.

I found Balance Credit's loan application process to be rather simple and easy. It was all done online.

My overall experience with Balance Credit was good and fast. I had no issues.

This company is delightful! Everything is done swiftly! No jumping through hoops and multiple unwanted emails with the same information!! Excellent work! They just get the job done! The paperwork was easy!! Being a senior I really appreciated that!! I will borrow again from this company. Glad you all are around!!

It was easy to apply. The only negative thing I can say is the interest rate is too high. The money was in my account very quickly. Payments had reasonable timing. They offered more than I was asking for. The interest should be about half of what it is. Other than that I'm ok.

Balance credit is a predatory lender who will give loans with 200%+ interest rates. I would never recommend them to anybody. I would sell my kidney before ever using them...DO NOT USE BALANCE CREDIT!!!

I have had a great experience with Balance. I have also recommended them to my friends/coworkers and others. I can see myself being a customer for the foreseeable future. I know that if I need a loan to get by or for anything life throws my way I can count on them!

They helped me when no one else would. I’ve done business off and on with Balance Credit for years. They’re always there should I need a loan. Everything was easy and the terms and conditions were very transparent. There’s no penalty to pay off the loan early. I’m a very happy, returning customer.

I got my question answered accurately and quickly. The person was pleasant and professional. I was so pleased with her responses. Most other companies hurry and are somewhat rude. Thank you for a pleasant experience. My time was spent talking to a well qualified representative who knew what she was talking about. Her voice was clear and she was articulate.

I was able to get a loan the same day with a flexible repayment schedule. Very easy to fill out application and they have excellent customer service agents to answer any questions or give a better description to fit your needs. I would highly recommend Balance Credit to friends and family.

Very Timely and Simple. The process was simple and uncomplicated. I was very pleased with how it worked. The amount of time really helped. I would recommend Balance Credit to friends and family. I know it works well. I’m confident in my choice for receiving credit. The first time was good and the second time was good also. That is why because of the fast access to funds hassle free. We need more people to get to know your services. The service really helped me.

Great experience... They are very nice and truthful.. I haven't had any problems at all. I would definitely deal with them again in the future and recommend them to my family. This is my first experience with an online company like this and it has been really great. They have really helped me out of a bind.