Integra Credit Personal Loans

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 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. 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 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

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 fees does Integra Credit charge?

What do you need to qualify for Integra Credit Personal Loans?

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 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
• Recent bank statements
• Proof of identity

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.

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 9 years. Integra Credit Personal Loans are mostly not recommended by SuperMoney community users.