I am a return customer, very pleased with how smooth and efficiently, the team at Balance Credit, have responded to any concern or questions. Very user friendly website, application process and concise information tools to help lessen the stress of my loan process. Thank you.
Sarah, thank you for the great feedback. We’re so glad you chose Balance Credit as your financial partner!
The application process was a lot simpler than I expected. I liked that I could do it online because my job is pretty demanding. Balance Credit is okay with talking to you through text messages or emails or whatever is best for you, and I appreciated that. They also give you a few options, which is nice. I liked that Balance Credit is flexible with their payment plans and they have a pretty good payment plan. I'm able to make the payments and afford it. It's nice. I chose them because I had my identity stolen twice. So I can't afford to hire a lawyer to fix my credit. But they were very flexible with my credit and understood my stripes. Balance Credit gave me an opportunity to help me get caught up with my bills and balance out since it's just me now.
Michelle, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
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During the financial hardship with the COVID, Balance Credit has been handy in helping me secure funds. They help with bills. The process is not really difficult. If sometimes I don't have the funds to pay, I ask them to give me a week's time or a couple of days till I get paid and usually, they're very helpful with that. The prices are steep and the repayment thing is high though. It's a and something percent interest rate, so people should only use them as much as they need them and try to pay them all back as fast as they can.
Earl, thank you for the positive review! We’re happy you were able to get the funds you needed!
The application process was easy to get through. They asked for all information I expected them to ask for. I knew within a few hours whether I was approved or not. When I had an issue with a payment that I needed to change, they were very helpful and able to help me to do what I needed to do. The only thing about Balance Credit is their website gives very limited information. You see your account and you see what you owe, but you can't find out when you're eligible for refinancing until after a period of time. I paid off one loan completely, and I requested another loan for the same amount, but the payment was higher the second time instead of lower. It doesn't seem that they offer anything like a discount for repeat loan applicants.
Brande, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
The application process was quick and it was with ease. There was no drawn-out thing about “Fax me this, fax me that,” and “Send it to somebody and we'll call you back.” It was all done in one process. Customer service was knowledgeable and professional. They made things convenient. I wasn't jumping out through a whole lot of hoops. And I still have the ability to talk with a live person and not just communicate to an email address. When going with Balance Credit, it's not something that you want to do for an elongated period of time because the more it goes along, the more you pay. It should be a short-term only consideration.
Essie, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
I have Balance Credit for years. I do the application online. It's kind of a torture because it keeps you going on and on over again, filling up your last quarter or the whole Social Security number. It's the same information over and over again. That's kind of crazy. They can work on shortening that a little bit. Other than that, I like the convenience of using Balance Credit. Every now and then, they give you discounts, but not too good. They could do a better discount, too. Still, I'm cool with them.
I had used Balance Credit a few years before. Recently, I went back to them. The loan process did not take long because my information was the same. It was just verifying that all the stuff that I'd done the first time around was still the same and then I clicked submit, and then I got a response within a day.
Rachel, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
Great service and user friendly. I am Informed throughout the whole process and the money arrives ahead of time. I am happy I found this company especially with COVID everything is online and fast.
Raquel, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
Easy to understand terms. Able to review terms and conditions before you make final decisions. Telephone number is available for questions. The fund was added into my account the next business day and I am so pleased.
Shelia, thank you for the great feedback. We’re so happy you had a great experience!
They take advantage of people and charge such high interest rates and payments are crazy. Shame on them, sometimes as they say.. bad things happen to good people and you need a little help, and they take advantage of that.
We are so sorry to hear about your negative experience with Balance Credit. We are always looking for ways to improve our service. If you would like to discuss your concerns, please reach out to our Customer Support Team at so we may better assist you.Sincerely,
The Balance Credit Team
The customer service person I talked to was very courteous and she answered my questions in a timely and knowledgeable manner. Although it was not the answer I was hoping for it was delivered very promptly and professionally. I could not find fault with our exchange.
Thank you, Carol, we’re glad to hear you had a great experience with Balance Credit!
I've used Balance Credit a couple of times. They always made me feel like everything was okay and they were trying to work with me to give me credit. Something came up and I needed them again, and they were just very accommodating. Sometimes, if you're trying to get credit, some places don't want to give it to you. But Balance seemed to be looking for a way to be able to give you credit. They were also easy to use. I can use them on the internet. Very happy with them.
Jane, thank you for the positive review! We’re so happy you were able to get the funds you needed!
They have a simple process. I had some problems with my bank account for a second. I had to call somebody. But other than that, it went fine.
Thank you, Douglas, we’re glad the process was quick and easy!
Believe it or not, Balance Credit has exceptional customer service, with barely any hold time, very polite representatives and straight forward policies. They are not loans to be used frequently (as they are VERY high interest) but in the case of an absolute emergency Balance Credit is the place to go.
Thank you, John, we’re glad to hear you had a great experience with Balance Credit!
The application process at Balance Credit went well. It didn't take a long time, not even five minutes. The customer service team was nice. The terms are good, too.
Thank you for the feedback! We're glad our team was able to help!
Balance Credit was very helpful in getting a loan and was courtesy and was done in a timely manner. Help me get what I needed and set up the payments on the time I could make with my budget and deposited in my account in a timely manner.
Patricia, thank you for the great feedback. We’re so happy you had a great experience!
Recently had an illness where I lost hours at work and thus lost some income. Had trouble making one payment and the CS Rep was very understanding, patient and professional to help attend to this situation.
Thank you the feedback, Steven, we're so happy our team could help!
The application process at Balance Credit was simple. It also didn't take too long. Everyone was personable and everyone did a good job. Everything was smooth.
Jason, thank you for the great feedback. We’re so happy you had a great experience!
The application process was easy. I did it all online. It took less than five minutes. I like the convenience.
Thank you, Kimberly, we really appreciate the feedback!
I've been using them for a while now and I've had a great experience with them. They've been very helpful. The application process is fine because most of my information is in there, so it doesn't take too long to really do anything. Also, the approval time is almost immediate. I'm very happy with the service.
William, thank you for the feedback. We’re so glad you chose Balance Credit as your financial partner!
Their process was simple. It wasn't a headache as I thought it was. So that made it a good experience.
Thank you, Tangela. We’re glad the process was quick and easy!
I did the application online and it was very user-friendly. When I pay off a certain amount, they offer me a refinance and that's good because it usually comes at the right time.
Thank you, Traci. We’re so happy to hear about your positive experience!
They completely comprehend customer issues. They support your situation ang give ample time to resolve it. Their services provided was excellent and most of their staff members were cordial. They really give you valuable time to resolve an issue.
Thank you for the great feedback, Kingsley. We're so glad our team was able to help!
I've never had any issues with this company. They're great with working with customers to ensure their needs are met in a timely fashion. The rates for a returning good customer are considerably high but overall, I'm very pleased with this company.
Thank you, LaDonna, we’re glad to hear you had a great experience with Balance Credit!
I was looking for a $ loan to take care of my very ill pet Yorkie. I applied with Balance Credit and got approved. The monthly payments are too much to handle because of the very high interest that is included so called them and the only thing they could do was me paying finance charges for two months which was close to $! I am a low income retiree and cannot afford these payments. I realize I have to pay and tried asking Balance Credit if I could work something out to bring monthly payment down but they would not work with me. I do realize I should have not taken out this loan but needed help with my very sick pet. Everyone, please think about taking a loan out with this company because they do not care. Don't know what to do at this point.
Hi, Kathy. We are so sorry to hear about your negative experience! We would love to get in touch to discuss possible resolutions. We sent you a private message with more information on how to reach one of our representatives and hope to hear from you soon.Sincerely,
The Balance Credit Team
The entire process was smooth and easy. My experience with the customer service team was very well received. They were very courteous and they answered all my questions. The experience was well worth it.
Lonny, thank you for the great feedback. We’re so happy you had a great experience!
Balance Credit Personal Loans
Balance Credit Personal Loans Review
Balance Credit Personal Loans is offered by Braviant Holdings LLC, a direct lender founded in and based in Chicago, IL. Balance Credit Personal Loans is available in 14 states across the USA.
- 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 Braviant Holdings 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 offers loan terms as short as 4 months. Most personal loans have a minimum term of 12 to 36 months.
Balance Credit Pros & Cons
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 % APR.
How much can you borrow via Balance Credit?
Business loan amounts start at $ and go up to $5,
What is the maximum loan term you can get with Balance Credit?
Balance Credit offers loans with terms of up to 30 months.
|Personal Loan Amount||$ - $|
|Loan Term||4 - 30 months|
|APR||99% - %|
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 % 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.
|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. § ) 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 are, of course, eligible for the services offered by Balance Credit Personal Loans. Permanent resident / green card holders are also eligible to apply.
|Bank Account Required?||Yes|
|Application Types Accepted|
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.
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: SuperMoney.com 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 Personal Loans
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.
Balance Credit Reviews
Balance Credit was first mentioned on PissedConsumer on Sep 28, and since then this brand received 88 reviews.
Balance Credit ranks of in Loans and Mortgages category. The overall rating of the company is and consumers are mostly dissatisfied.
Recent recommendations regarding this business are as follows: "Place 3 items in at a time- and hang them out to dry!", "Reconsider", "Do not use this company", "You call and short, extremely vague vm’s then won’t answer is when we call you back!", "Loan shark interest rates.".
Reviewers write the most about Balance Credit Loan and give it stars out of 5.
Most commonly, consumers tend to contact Balance Credit to ask questions about: Request for Information, Payments and Charges, Product/ Service.
The price level of this organization is high according to consumer reviews.
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Don't hint to my wife where we were either. Clear. Fair. I barely waited for nine in the evening, the time of the beginning of the party. The team of installers has long since gone home.
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