Integra Credit

in Personal Loans from Integra Credit

Claimed Visit Site Find My Best Rate

Integra Credit


in Personal Loans from Integra Credit

SuperMoney Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

0 users recommend
0 users are unsure
1 user doesn't recommend
Cast your vote
Cast your vote

Would you recommend Integra Credit to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Community Rating Strongly not recommended
Loan Amount $500 - $3,000
APR (Fixed APR) 99% - 299%
Loan Term (Months) 6 - 24


Where does Integra Credit do business?

Integra Credit is a direct lender based in Chicago, IL. Founded in 2014, Integra Credit offers access to personal loans in 8 states across the USA.

What rates and terms does Integra Credit offer?

Integra Credit has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Integra Credit offer?

Integra Credit offers a fixed APR personal loan product that ranges from 99% APR up to 299% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Integra Credit?

Loan amounts start at $500 and go up to $3,000.

What can a personal loan from Integra Credit be used for?

Personal loans from Integra Credit are typically used for special purchases, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with Integra Credit?

Integra Credit offers personal loans with terms ranging from 6 to 24 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Integra Credit Rates & Terms
Loan Amount $500 - $3000
Loan Term 6 - 24 months
APR 99% - 299%

What fees does Integra Credit charge?

Does Integra Credit charge an origination fee?

Integra Credit does not charge a loan origination fee.

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

Does Integra Credit charge a late fee?

Yes, Integra Credit may charge borrowers a late payment fee

Does Integra Credit charge prepayment fees?

No, Integra Credit does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Integra Credit Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with Integra Credit?

Applicants with a credit score of at least 500 can apply for a loan via Integra Credit . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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

Active duty servicemembers and their covered dependents cannot apply for a loan via Integra Credit. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.Only U.S. citizens can apply for a loan.

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

  • Applicants must have an active and valid checking account
  • Proof of identity
  • Proof of income
  • Integra Credit Eligibility Criteria
    Minimum Age 18
    Bank Account Required? Yes
    Joint Applications Accepted? Yes
    Credit Score 500 - 630

    What is the estimated funding time for a personal loan via Integra Credit?

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

    SUPERMONEY Disclosure: 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...


    • Headquarters
    •   200 W. Jackson Blvd. Suite 500
      Chicago, IL 60606 USA
    •   Visit Site

    Message from Integra Credit

    Integra Credit is an online lender that provides borrowers access to the credit they need with comfortable monthly payments. The fast and secure application process provides a virtually instant approval decision and the money can be received as early as the next business day. Checking your loan offers will not impact your credit score. Integra Credit offers personal loans up to $3,000, offers may vary by State.

    About Integra Credit


    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 8 states
    • Alabama
    • Delaware
    • Idaho
    • Missouri
    • New Mexico
    • South Carolina
    • Utah
    • Wisconsin

    Feature Breakdown

    No Origination Fee  
    No Prepayment Fee  
    Minimum Age 18
    Credit Score Range 500 - 630
    Immigration Status Considered
    • U.S. Citizen
    Minimum Annual Income $24,000
    Bank Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Non-Military
    • Veterans
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Joint Loan Applications Accepted
    • Individual Applications
    Verification Documents Required
    • Proof of Identity
    • Proof of Income
    Loan Amount $500 - $3K
    Loan Term (Months) 6 - 24
    APR (Fixed APR) 99% - 299%



    Would you recommend Integra Credit to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)

    Other Personal Loans