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Integra Credit Reviews


bestfor-icon Instant Loans for Poor Credit

Written by Andrew Omalley

About Integra Credit | Read More


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Opening Hours Opening Hours drop-down-btn
Mon - Fri 8:00 AM - 8:00PM CT
Saturday 9:00 AM - 6:00PM CT
Sunday Closed
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  • support@integracredit.com
  • (855) 345-5550
  • Headquarters: 120 S LaSalle St, Suite 1600, Chicago, IL 60603
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Integra Credit Personal Loans Review

Integra Credit specializes in providing personal loans to people who have poor credit. It offers a number of different loan options, each carrying significant rates of interest. That’s why loans from Integra Credit should really only be a last resort and you should be aiming to quickly pay them off.

Integra Credit Personal Loans Highlight


Min Credit Score


APR. Fixed Rate


Loan Amount

6-24 months

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

24 hours

Funding Time

Pros & Cons

  • con-icon Next day funding
  • con-icon Deals with poor credit
  • con-icon Easy application process
  • con-icon Soft credit check
  • con-icon High APRs
  • con-icon Only available in certain states

Integra Credit Personal Loans Terms & Requirements

As Integra Credit specializes in giving personal loans to people with poor credit, there is not really any minimum credit score requirement in place. The loan term lengths usually range between 6 months and 24 months, with a handful of different loan options being available.

The interest rates will be very high on all loan products, usually starting at 100% and going as high as 400%. There will usually be no origination fee or early repayment fees charged, but late fees are in place. Loan amounts are going to be relatively small, usually somewhere between $500 and $3,000.

Qualification Requirements

  • At least 18 years old
  • US permanent resident or citizen
  • Have a bank account
  • Live in a participating state


Required Information

  • Full name
  • Home address
  • Social Security Number
  • Annual income
  • Pay stub
  • Checking account info


Application Steps & Time Frames

The process of getting a loan through Integra Credit is usually very quick and easy. It does not carry out as many checks as other lenders due to the nature of its focus on catering to an audience that has poor credit. Everything can be done online through the Integra Credit website.

Integra Credit will need certain information from you in order to come up with a loan quote. This includes details about your income, credit history, and so on. You will need to provide documents like pay stubs to verify the information you have provided.

You will then get a loan decision from Integra Credit, with this process usually taking on more than a single business day. Then if you get approved for a loan, you cannot receive funding by the following business day.

State Availability

Available - Alabama, Arizona, Arkansas, California, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, Ohio, Oregon, South Carolina, South Dakota, Texas, Wisconsin

Not Available - Alaska, Colorado, Connecticut, Delaware, Georgia, Hawaii, Illinois, Iowa, Kansas, Maine, Maryland, Massachusetts, Nevada, New Mexico, New York, North Carolina, North Dakota, Oklahoma, Pennsylvania, Rhode Island, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



Does Integra Credit conduct a hard credit check?

There will be no hard credit check when you are making an initial inquiry for an Integra Credit personal loan.

What types of loans does Integra Credit offer?

Integra Credit offers bad credit loans, installment loans, personal loans, quick loans, and lines of credit.

Does Integra Credit operate in every state?

No, Integra Credit does not operate in a lot of states so you need to check to see if your given state is on the accepted list before you proceed any further.

Customer Support

Integra Credit outlines most of the key points about its various loan offerings on its website, without going into too much detail about them.

If you have any specific questions, you can have them answered by getting in touch with Integra Credit’s support team. This can be done six days a week by phone or by email and live chat. The responses tend to be satisfactory, allowing you to get the info you need to proceed.

Privacy & Security

Integra Credit has a solid reputation, carrying an A+ rating from the Better Business Bureau and it has a 4.7/5 rating from TrustPilot.

Integra Credit always ensures that it fully protects sensitive customer data at all times. This is achieved by never sharing this info and making sure that all transferring of data is done in an encrypted manner.

In Conclusion

Integra Credit is really only going to be a viable personal loan option for people who have poor credit and cannot get funding elsewhere. The rates of interest are very high and Integra Credit does not cater to people in a lot of states. Therefore, people who are going to be able to quickly repay their loans will be the ones suited to using Integra Credit.

Brand Disclaimer

* Loan products only offered to residents of states where permitted by law. To obtain a loan or line of credit, you must apply and have a valid checking account and email address. In some cases we may not be able to verify your application information and may need you to provide certain documents. Funds for loan agreements fully executed by 8pm CT on business days and 3:30pm CT on Sundays are typically sent the next business day. Check with your financial institution’s funds availability policy to learn when it will provide you with access to the funds.

This is an expensive form of credit and not intended to provide a solution for all credit or other financial needs. We will never charge you any “hidden fees” that are not fully disclosed to you. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. The actual amount and terms of loans and lines of credit vary based on credit worthiness and state law. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680

Integra Credit is a brand name used by Deinde Group, LLC, Deinde Financial, LLC, Deinde Online Services, LLC. Integra Credit One, LLC, Integra Credit Two, LLC, Integra Credit Three, LLC, Integra Credit Four, LLC and Integra Credit Five, LLC.

For California Residents: Loans made or arranged pursuant to a California Finance Lenders Law License. Integra Credit Four, LLC dba Integra Credit – California Finance Lender License number 60 DBO88994.

Residents of Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota and Texas – Integra Credit branded loans are made by Transportation Alliance Bank, Inc. doing business as TAB Bank.

Residents of other states – Integra Credit branded loans are made by a licensed Integra Credit company.

All loans are serviced by Deinde Financial, LLC.