Last Updated: 04/18/2025
Integra Credit Personal Loans
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in Personal Loans from Deinde Financial LLC
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -7
Mostly not recommended14 total votes
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Highlights
Community Rating
Mostly not recommended
APR (Fixed APR)
99% - 399%(Verified 06/21/2024)
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Amount Range
$500 - $3,000
Loan Term (Months)
6 - 24
Number of Reviews
Integra Credit Personal Loans Review
Integra Credit Personal Loans is offered by Deinde Financial LLC, a nonbank financial services provider founded in 2014 and based in Chicago, IL. Integra Credit are available in 8 states.
Key Takeaways
- APRs starting at 99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Integra Credit Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Prequalified rate. You can check your prequalified rate at Deinde Financial LLC with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. Integra Credit Personal Loans does not charge a loan origination fee.
- Short loan terms. Integra Credit Personal Loans have loan terms as short as 6 months.
Integra Credit Pros & Cons
| Pros | Cons |
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Integra Credit FAQ
What interest rates and personal loan terms does Integra Credit offer?
Integra Credit has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Integra Credit offer?
Integra Credit offers a fixed APR personal loan product that ranges from 99% APR up to 399% APR.
How much can you borrow via Integra Credit?
Personal loan amounts start at $500 and go up to $3,000
What is the maximum loan term you can get with Integra Credit?
Integra Credit offers loans with terms of up to 24 months.
| Personal Loan Amount | $500 - $3000 |
| Loan Term | 6 - 24 months |
| APR | 99% - 399% |
What fees does Integra Credit charge?
Does Integra Credit charge an origination fee?
Integra Credit does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Integra Credit charge a late fee?
Yes, Integra Credit may charge a late payment fee if you miss one of the regularly scheduled payments of up to $15.
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 personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | $10 - $15 |
What do you need to qualify for Integra Credit Personal Loans?
The minimum age to be eligible is 18 or the state minimum, whichever is higher. Integra Credit Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens are eligible to apply for the services offered by Integra Credit Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
- Bank account information
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 300 - 700 |
What is the estimated funding time for a personal loan via Integra Credit?
Integra Credit will typically fund loans within 1 business day of approval and clearing necessary verifications.
Does Integra Credit Personal Loans report your account activity to credit bureaus?
Yes, Integra Credit Personal Loans reports to the following credit bureau:
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Deinde Financial LLC perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Integra Credit allows you to check your rates with a soft credit pull.
Are Integra Credit Personal Loans legit?
Deinde Financial LLC was founded in 2014, it is a well-established company that has been in business for 12 years. Integra Credit Personal Loans is mostly not recommended by SuperMoney community users.
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