Integra Credit Personal Lines of Credit Review

Integra Credit Personal Lines of Credit is offered by Deinde Financial LLC, a nonbank financial services provider founded in 2014 and based in Chicago, IL. Integra Credit Personal Lines of Credit is available in 3 states across the USA.

What APRs does Integra Credit Personal Lines of Credit offer?

Integra Credit Personal Lines of Credit offers a fixed APR product that ranges from 99% APR up to 399% APR.

Does Integra Credit charge an origination fee?

No, they do not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does the Integra Credit charge a cash advance fee?

Yes, they may charge a fee.

Does the Integra Credit Personal Lines of Credit charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does Integra Credit Personal Lines of Credit charge a late fee?

No, they will not charge you a late fee.

How much can you borrow via Integra Credit?

Upon approval and based on your credit score, your personal line of credit will be assigned a credit limit of at least $500 and as much as $3,000. .

Integra Credit Personal Lines of Credit Fees

Cash Advance Fee	N/A
Origination Fee	No
Prepayment Fee?	No
Late Payment Fee	No
Statement Balance Fee	No

What do you need to qualify for Integra Credit Personal Lines of Credit?

Applicants with a credit score of at least 500 and up to 630 may be eligible for Integra Credit Personal Lines of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal lines of credit with Integra Credit Personal Lines of Credit, applicants need a minimum annual income of $24,000 or higher. Integra Credit Personal Lines of Credit only considers borrowers who are employed and meet the minimum income requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Integra Credit Personal Lines of Credit 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 Integra Credit Personal Lines of Credit.

To qualify, applicants may need to provide the following documentation:

• Applicants must have an active and valid personal checking account
• Recent bank statements
• Proof of identity

What is the estimated funding time for a personal line of credit?

Integra Credit will typically provide a credit approval decision in less than an hour and fund the line of credit within 1 business day.

How to apply for Integra Credit

• Visit the website.
• Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
• Check the information is accurate and submit your application.