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 Personal Lines of Credit charge an origination fee?

No, Integra Credit Personal Lines of Credit does 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 Integra Credit Personal Lines of Credit charge a cash advance fee?

Yes, Integra Credit Personal Lines of Credit may charge a fee.

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

No, Integra Credit Personal Lines of Credit will not charge you a late fee.

How much can you borrow via Integra Credit Personal Lines of Credit?

Upon approval and based on your credit worthiness, your Integra Credit Personal Lines of Credit personal line of credit will be assigned a credit line of at least $500 and as much as $3,000. .

Integra Credit Personal Lines of Credit Fees

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

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
• Proof of identity

What is the estimated funding time for a personal line of credit via Integra Credit Personal Lines of Credit?

Integra Credit Personal Lines of 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 Personal Lines of Credit

• Visit the Deinde Financial LLC website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.