Integra Credit

in Personal Loans

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Integra Credit


in Personal Loans

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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:

  • Applicants must have an active and valid checking account
  • Proof of identity
  • Proof of income
  • 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.


    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 Fees
    No Origination Fee
    No Prepayment Fee
    Minimum Age
    Credit Score Range
    500 - 630
    850 300 500 630
    Immigration Status Considered
    • U.S. Citizen
    Minimum Annual Income
    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
    Dollar Amount
    Loan Amount
    $500 - $3K
        $100 $100K+
    Loan Term (Months)
    6 - 24
        1 180
    (Fixed APR)
    99% - 299%
        4% 100%+

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