Integra Credit Personal Loans
Integra Credit Personal Loans
in Personal Loans from Deinde Financial LLC

Integra Credit Personal Loans

in Personal Loans from Deinde Financial LLC
SuperMoney Net Recommendation Score -7  


This product is mostly not recommended by SuperMoney users with a score of -7, equating to 2.9 on a 5 point rating scale.


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.

Mostly not recommended

6 users recommend
1 user is unsure
7 users don't recommend
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Spotloan 22 reviews
Community Rating Mostly not recommended
APR  (Fixed APR) 99% - 399%
Loan Amount $500 - $3,000
Loan Term (Months) 6 - 24 months
Number of Reviews 14

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 Personal Loans is available in 8 states across the USA.

Key Takeaways

  • APRs starting at 99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Integra Credit Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases, you can 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 credit score.
  • 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.
  • Minimum income of $24,000. You will need an annual income of at least $24,000 to apply for Integra Credit Personal Loans, which is above average for the lenders in our database.

Integra Credit Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 399%.
  • Charges a late fee of up to $15.

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?

Business 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.

Integra Credit Interest Rates & Loan Terms
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, 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 if you miss one of the monthly payments of up to $15, which is triggered if you're 10 days late.

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.

Integra Credit Fees
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.

To qualify for personal loans with Integra Credit Personal Loans, applicants need a minimum annual income of $24,000 or higher. Integra Credit Personal Loans 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 Loans 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 Loans.

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

  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Recent bank statements
  • Proof of identity
Integra Credit Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 700

    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 business day.

    Does Integra Credit Personal Loans report your account activity to credit bureaus?

    Yes, Integra Credit Personal Loans reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    Is Deinde Financial LLC a legit company?

    Integra Credit Personal Loans was founded in 2014. It is an established company that has been in business for 8 years. Integra Credit Personal Loans are mostly not recommended by SuperMoney community users.

    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...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Message From Deinde Financial LLC

    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.


    Other Services by Deinde Financial LLC


      Available in 8 states
    • Alabama
    • Delaware
    • Idaho
    • Missouri
    • Mississippi
    • New Mexico
    • Utah
    • Wisconsin

    Feature Breakdown

    Late Fee Amount $10 - $15
    Late Fee Grace Period 10 days
    No Origination Fee
    No Prepayment Fee
    Checking Account Required
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    Immigration Status Considered
    • U.S. Citizen
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Minimum Annual Income $24,000
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Proof of Income
    • Proof of Identity
    • Recent Bank Statements
    Credit Score Range 300 - 700
    Approval Speed 0 hours
    Credit Bureau Reporting TransUnion
    Funding Time Range 1 day
    Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
    Pre-Qualified Soft Credit Inquiry
    APR Type Fixed APR
    Loan Amount $500 - $3,000
    APR (Fixed APR) 99% - 399%
    Loan Term 6 - 24 months

    Integra Credit Personal Loans Community Reviews


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    This product is mostly not recommended by SuperMoney users with a score of -7, equating to 2.9 on a 5 point rating scale.


    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.

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