Balance Credit Reviews
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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
Still have questions?
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
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Popular Mentions
- 4,889,230 reviews on ConsumerAffairs are verified.
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- 4,889,230 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 May 27, 2026
Balance Credit was easy to use. Their lending process is upfront in comparison to other ones. When I had questions, they reached out via email. Their website was pretty self-explanatory. Overall, Balance Credit made it easier to do what I needed to do.
Thank you, Marissa. We’re glad to hear you had a great experience with Balance Credit!
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Reviewed May 20, 2026
I saw Balance Credit online, and sometimes I get correspondence in the mail. I reached out to them because of a financial catch-up situation, and it worked for me. Sometimes that’s the only reason you reach out and take something like this. A dire need that you have to take care of. The terms were good, and if I want to pay it off when I want to, I can. I wouldn’t take it just to take it, but if it’s mostly a dire need, they’re there. That’s how I looked at it, especially knowing my credit wasn’t the greatest, but the terms weren’t that bad because I’ve had worse.
The lending process was easy. We filled out the information and they submitted it, and it came back with the decision they made, depending on the criteria. The funding process was simple. I selected what I wanted, I took it, and it was ACH’d to me the next morning. Then, they take their payments the same way. Balance Credit turned me down the very first time last year. Then, they resurfaced again, or I saw them again, because when you apply for the first time, you start getting correspondence months later. So I tried again, and I got it that time.
Paula, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
Reviewed May 12, 2026
Balance Credit's application process was easy. The service was excellent. It was very easy to communicate with them. The whole process was quick. It took not even a minute.
Thank you, Fredrick. We’re glad the process was quick and easy!
Reviewed May 6, 2026
I saw Balance Credit on social media and the interest rate was too high, but they have good people to deal with. I felt comfortable dealing with them. The communication was good and the reps were helpful. The customer service was excellent. The process was prompt and quick, and took just a few hours. I was satisfied with it. It helped me relieve some stress in my life right now, so it helped solidify some things I'm trying to get done with different things. I'm glad I made the decision.
David, thank you for the 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!
Reviewed May 20, 2026
Balance Credit does have very good approval odds and same-day funding deposited into your account. However, you and I are going to pay OUT THE NOSE in interest!!! Very predatory rates!! You will regret taking any loan from this company.
We are so sorry to hear about your recent experience with Balance Credit, Nicole Allen. 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 May 5, 2026
Navigating the website of Balance Credit was easy. I had no problem with anything during the whole lending process.
Thank you, Steven. We’re glad to hear you had a great experience with Balance Credit!
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!
Balance Credit Company Information
- Company Name:
- Balance Credit
- Website:
- www.balancecredit.com
