Integra Credit Personal Loan Review

Integra Credit is an online installment loan provider with fast online applications approved in minutes, no pre-payment penalties, and the ability to get cash the next day. You can only borrow up to $3,000 from the company, which makes this a great option for those looking for smaller sums of cash. Its website claims that it aims to “disrupt a stagnant lending industry and bring a much-needed flexible and compliant product to the market.”

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In this article

    Integra Credit at a glance

    LenderMin. LoanMax. LoanAPR RangeTermsKey Benefit
    Integra Credit$500$3,000149% – 399%7 – 18 monthsFast funding

    What we like about it

    Oftentimes, lenders won’t take the time to work with small loans. Integra Credit, though, specializes in smaller loans under $3,000. In some states where the company offers services, you can borrow as little as $500. While the cost of borrowing with the company is expensive, there are no pre-payment penalties, which means you’ll only pay interest for the time that you’re borrowing the money.

    With Integra Credit, access to cash in your bank account is a quick and simple process. Prospective borrowers can apply online in minutes, with most customers receiving an approval decision instantly. Applicants approved by 6 p.m. Central Time usually get the funds deposited directly into their checking account by the next business day. Those looking for a simple, streamlined and fast way to get access to funds will like the process Integra Credit has laid out.

    Things to consider

    It’s important to note that installment loans from Integra Credit are expensive. With APRs for most states well over 100%, the money is not cheap. That being said, the company makes it clear on its website that it’s willing to work with borrowers with less than great credit. Exactly how expensive your installment loan is will depend on the state you live in, the amount you choose to borrow and your overall creditworthiness. This will include a look at your credit score, but the company states it looks at much more than just this number to give everyone a fair chance at securing a loan.

    However, Integra Credit does not offer service in all 50 states. Some states have restrictions on these types of loans, which does limit the company’s service area. On the company’s website, you’re able to see a full list of the states in which it does and doesn’t offer loans.

    What you need to know

    One thing that will jump out during an Integra Credit review is the size of the loans offered. Depending on the state you live in, the loan minimums range from $500 to $3,000, in $100 increments.

    In addition to the size of the loans offered, borrowers should also look at the cost of the loans. Again, these vary by the state you live in, but the ranges are typically somewhere between 149% and 399% APR. The actual rate you receive will be disclosed during your application process and will be determined by your credit score, where you live and the amount you’re looking to borrow. Yes, this means these loans are expensive. If you just need the cash for a short time, though, you can always pay your Integra Credit loan off early with no pre-payment penalties.

    Integra Credits personal loans are available in term lengths that range from 7 months up to 18 months. What’s available to you is again dependent on the state that you live in. Borrowers looking for longer-term loans will need to choose another lender.

    Integra Credit fees

    Integra Credit states on its website that there are no hidden fees undisclosed to borrowers. Outside of the interest charges, the only fee noted is a fee for late or missed payments. In some states, the fee is a percentage (usually 5%) of the unpaid payment. In other states, it is the larger of the percentage or a fixed dollar amount. The fixed dollar amount penalty varies, but in most states is $15, $20 or $30. However, Integra Credit does not charge any prepayment penalties for paying off the loan early.

    If you choose to work with Integra Credit, it’s important that you take the time to understand all the terms and conditions of your loan fully, even if it’s a smaller amount.

    Check Your Personal Loan Rates

    Answer a few questions to see which personal loans you pre-qualify for. It’s quick and easy, and it will not impact your credit score.

    Get Started

    with our trusted partners at

    Integra Credit collateral and criteria

    According to the company’s website, the only criteria you need to apply for a loan is you must be the legal minimum age to contract in the state you live in, have an open and valid checking account where your funds will be deposited, have an email address the company can use to contact you and be a legal resident of the United States. If you meet all of these criteria, you can apply for a loan with Integra Credit.

    The company does not discuss minimum credit scores, desired financial profiles or gives any details about who it chooses to approve and who they do not. The good news, though, is that it only takes a few minutes to apply online and checking your quote will not have an impact on your credit score.

    Jason Lee

    Contributing Writer

    Jason Lee is a U.S.-based freelance writer with a passion for writing about dating, banking, tech, personal growth, food and personal finance. As a business owner, relationship strategist, and officer in the U.S. military, Jason enjoys sharing his unique knowledge base and skill sets with the rest of the world. Follow Jason on Facebook here