Easy application process Easy application process, yet we ran into a snag in that my bank doesn't participate in the instant online verification process. However, BC has an alternate process in place and the customer service reps walked me through it clearly and quickly. Took a little extra time, but all went smoothly!

Great option for bad credit, quick funds delivery The application was easy and the decision was quick. More importantly the application was approved (after many declines from other banks). I would highly recommend Balance Credit if you've faced a lot of 'no's' due to bad credit. Funds were deposited next business day as promised. I didn't have to speak to anyone and feel judged for my credit history or explain why my credit history isn't great or what I plan on spending the money on. I appreciate Balance Credit taking a chance on me without having to jump through hoops.

User Friendly The process was easy from start to finish and received approval within moments. I would recommend to anyone that is in need of emergency situations.

It was a very quick loan It was a very quick loan, although, the interest rate was incredibly high which is why I paid it off immediately.

Quick Process - Too High in interest rate. The quickness of the process. I hate the word - pre-qualified which is so stupid. IF credit lenders would focus more on reading the applicant’s history that was excellent and then when COVID-19 stopped the world abd many were adversely affected by it fir various reasons and forced into bankruptcy - usually the MIDDLE CLASS people like me. The interest rate is way too high and this just a temporary measure for me as I work to rebuild my good credit history. I hope to pay it off within 90 days.