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 are the APRs offered via Integra Credit?
Integra Credit offers a fixed APR personal loan product that ranges from 99% up to 299% APR.
Does Integra Credit charge an origination fee?
No, 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.
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.
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:
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.
200 W. Jackson Blvd. Suite 500
Chicago, IL 60606 USA
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