This WAS MY First experience with…
This WAS MY First experience with Balance Credit NO PROBLEM WAS Treated very well I will call Monday
Reply from Balance Credit2026-08-31
Joyce, we’re so happy to hear about your positive experience!
About Balance Credit
Data updated- Website
- www.balancecredit.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 154 reviews
- Replies to negative
- 67% (4/6)
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About this business
Balance Credit is a leading online lender providing personal installment loans and credit services.Balance Credit (SunUp Financial, LLC) offers unsecured, personal installment loans and credit services to customers in need of a fast and convenient source of additional cash. Balance Credit is licensed and regulated in each U.S. state where it operates. Balance Credit’s mission is to provide consumers a fast, secure and simple way to apply for loans and credit services at its website, balancecredit.com.Apply Now
Written by the business, not verified by us.Is Balance Credit legit?
Balance Credit (www.balancecredit.com) has a 4.8 out of 5 rating on OK.one, based on 154 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 96% rating it 4 stars or higher; The business has replied to 67% of negative reviews; Reviews mostly discuss User experience, Customer service, App. Last updated 2026-09-01.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently mention that the online application process is remarkably quick, simple, and very easy to complete without having to deal with complicated paperwork or strict requirements. People also genuinely appreciate the fast deposit of funds directly into their personal bank accounts and describe the support team as extremely helpful. However, some reviewers were not happy with high interest rates and unexpected repayment costs experienced after settling their loans early. A few consumers also noted communication difficulties, mentioning ignored emails, dropped phone calls, and frustrating support responses regarding account issues.
Auto-generated from all reviews of this business. For reference only.What people say
Call in support disconnect
Was told the funds would be deposited the following day on 08.28.26. Still no deposit as of 0700am 08.29.26. After reviewing the agreement, the routing number was wrong. I have been trying to call to resolve the situation and keep getting disconnected.
Great customer service when I got confused
Great customer service when I got confused. Very polite and helpful. Thank you for everything.
Reply from Balance Credit2026-08-27
Thank you, Janice. We're so glad our team was able to help!
Great service and fast deposit
Great service and fast deposit. A++++++
Reply from Balance Credit2026-08-24
Thank you, Gene. We're glad to hear you had a great experience with Balance Credit!
Waste of my time
It got an advertisement in the mail saying I was pre-approved for a $3,000 loan. I went through the application process to find out I was denied. I ask the question why did you people go to the trouble of mailing me a preapproval offer and wasting my time to fill out the application to in the end deny me?
Reply from Balance Credit2026-08-28
We are so sorry to hear about your recent experience with Balance Credit, Jonathan. 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
The fact I was approved for me was nice…
The fact I was approved for me was nice but unless I went with autopay I wasn't getting approved. Also since I didn't approve my original loan request my amount on the loan went down by $700
Reply from Balance Credit2026-08-21
Thank you, Larry. We really appreciate the feedback!
Application was quick and easy
Application was quick and easy. Approval was done in a timely manner. Deposit within 24 hours.
Reply from Balance Credit2026-08-13
Mary, we're so happy to hear about your positive experience!
You have literally saved me after my…
You have literally saved me after my move, I have bills to pay and food to buy before my next payday! I cannot thank you enough! I appreciate the timing and help so much! Thank you, thank you, thank you!
Reply from Balance Credit2026-08-10
Betty Ann, thank you for the review. We're so happy you were able to get the funds you needed!
satisfied customer
I am very satisfied with your customer service. The agent was very patient with me and helped me with the loan process. The payment plan set up for me is very reasonable.
Reply from Balance Credit2026-08-10
Thank you, EP. We're so glad our team was able to help!
No comments at this time
Easy application
Easy application Smooth transaction Looking forward with working with Balance Credit
It was super easy and fast.
Fast ,simple ,
Fast ,simple ,satisfied with the results . A perfect experience . Thank you
Simplicity
The app was simple, short and quick
This company is doing well helping our…
This company is doing well helping our needs the precess was fast
Reply from Balance Credit2026-08-06
Thank you for the feedback. We're so glad you chose Balance Credit as your financial partner!
Very easy to apply not too many…
Very easy to apply not too many questions and quick to deposit
Reply from Balance Credit2026-08-06
April Mcquire, thank you for the feedback. We're so happy you had a great experience!
Excellent service
Excellent service, easy application, immediately respond. The app was easy to use and has 24hr access to account.
I’d rather rate it 0
I’d rather rate it 0. I got a pre approved for $3,000. I did the process, ultimately getting denied. I called, they could not tell me why I got denied. Then I get an automated email why I was denied… “number of employers reported in the last 90 days.” That is bizarre as I’ve had the SAME job for 6 years. Not only do they bait you thinking you got preapproved for this awesome loan, they deny you for reasons that make absolutely no sense and can’t even explain to you how they came to that conclusion. 0/10. Not ever going to recommend to anyone.
Reply from Balance Credit2026-08-10
We are so sorry to hear about your recent experience with Balance Credit, Chaia. 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
Really easy and fast application…
Really easy and fast application process!
Reply from Balance Credit2026-08-06
Thank you for the great review, Lawrence D.!
Easy to apply.
Easy to apply. Funds are dispensed immediately. Thus far everything is to the Thank you
Reply from Balance Credit2026-08-06
Alima Davis, thank you for the review. We're so happy you were able to get the funds you needed!
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