Balance Credit Reviews
- We require contact information to ensure our reviewers are real.
- Our moderators read all reviews to verify quality and helpfulness.
- We use intelligent software that helps us maintain the integrity of reviews.
About Balance Credit
Balance Credit is an unsecured loan provider that specializes in installment loans. With Balance Credit, you can qualify for a loan up to $5,000, depending on the state you live in, and receive funds in as little as one business day.
- No prepayment penalties
- No application fee
- Funds as soon as one business day
- Max loan amounts vary by state
- Limited availability
What is Balance Credit?
Balance Credit is an online personal loan provider that offers services for those in search of installment loans. Balance Credit’s loans are unsecured, which means they don’t require collateral. These loans can provide an alternative to payday loans, which are typically for smaller amounts.
Balance Credit doesn’t charge application or prepayment fees, and you can receive funding in as little as one business day, depending on when you’re approved for a loan. Balance Credit’s loans are only available in 24 states.
How does Balance Credit work?
If you’re interested in applying for a personal loan with Balance Credit, visit its website and start filling out your application. Balance Credit starts by determining your eligibility by asking you for personal information like:
- Your address
- Your employment status
- The intended purpose of your loan
- Your Social Security number
- Your date of birth
If Balance Credit approves your application, you’ll receive your funds by direct deposit as soon as the next business day.
Balance Credit rates
Balance Credit’s loan rates vary depending on the state you live in and the amount you need. Other key factors that can affect your loan rates include:
- Your credit score
- Your employment status
- The purpose of your loan
To see your personal interest rate, visit Balance Credit's website and fill out an application.
Balance Credit FAQ
Is Balance Credit a direct lender?
Balance credit is a direct lender in some states. In other states, it connects borrowers with lending partners.
Does Balance Credit charge an origination fee?
No, Balance Credit doesn’t charge origination fees on its loans. You can view the full disclosure of your loan payments in your loan agreement.
Where is Balance Credit available?
Balance Credit is only available in 24 states:
- Alabama
- Alaska
- Arkansas
- Arizona
- Delaware
- Florida
- Idaho
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- Ohio
- Oklahoma
- South Carolina
- Tennessee
- Texas
- Utah
- Washington
- Wisconsin
Is Balance Credit legit?
Yes, Balance Credit is a legitimate company that can help you get quick funds if you’re in a pinch. While the company has limited availability and higher APRs than traditional lenders, Balance Credit is worth researching if you need a quick alternative to a payday loan.
Balance Credit Reviews
Filter by Rating
- (402)
- (91)
- (39)
- (20)
- (41)
Popular Mentions
- 4,876,457 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
A link has directed you to this review. Its location on this page may change next time you visit.
- 4,876,457 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Nov. 20, 2025
I got a flyer in the mail about Balance Credit. Applying for a loan with them was good. It was mostly online and it was fast. I would go back to them.
William, thank you for the great feedback. We’re so glad you chose Balance Credit as your financial partner!
Reviewed March 30, 2026
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.
Kali, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Reviewed Feb. 10, 2026
The application process at Balance Credit was really simple. It took 10 minutes. My experience with them was great, easy and fast.
Thank you, Jessica. We’re glad the process was quick and easy!
Reviewed Dec. 31, 2025
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.
We are so sorry to hear about your recent experience with Balance Credit, Marilyn. We are always looking for ways to improve our service. If you would like to further discuss your concerns, please reach out to our Customer Support Team at 855-942-2526 so we may better assist you.
Sincerely,The Balance Credit Team
Reviewed Dec. 31, 2025
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.
Thank you, Margaret. We're so glad our team was able to help!
Reviewed Dec. 23, 2025
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.
Thank you for the great review, Leslie. We’re glad to hear you had a great experience with Balance Credit!
Reviewed Dec. 23, 2025
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.
Hector, thank you for the great feedback. We’re so glad you chose Balance Credit as your financial partner!
Reviewed Dec. 23, 2025
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.
Shawnda, thank you for the great feedback. We’re so glad you chose Balance Credit as your financial partner!
Reviewed Dec. 17, 2025
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.
From start to finish, everything was handled professionally and efficiently. There were no confusing steps, no unnecessary delays, and no added pressure. It was reassuring to work with a company that values clarity, reliability, and customer care. During a time when expenses tend to pile up and surprises are the last thing you want, having access to dependable financial support made all the difference.
I truly appreciate how easy and pain-free the entire experience was. Balance Credit provided peace of mind when I needed it most, and that kind of service does not go unnoticed. I would absolutely recommend Balance Credit to my family and friends without hesitation. Thank you for the excellent service and support. Wishing you a very Merry Christmas and a happy holiday season!
Chris, thank you for the great review. We’re so happy we could help you get the funds you needed!
Reviewed Dec. 15, 2025
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.
Thank you for the feedback, Marlon.
Reviewed Dec. 14, 2025
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.
Thank you for the review, Mary. We’re so glad to hear you had a great experience with Balance Credit!
Balance Credit Company Information
- Company Name:
- Balance Credit
- Website:
- www.balancecredit.com
