Integra Credit Personal Loan Review

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If you have bad credit, Integra Credit might seem like your only choice. But with short repayment periods and APRs that can reach almost 400%, you should consider more affordable financing options.

Eligibility and access: 4.5/5
Cost to borrow: 1.8/5
Loan terms and options: 3.3/5
Repayment support and tools: 2/5

Integra Credit is a lender that specifically caters to consumers with bad credit. Its annual percentage rates (APRs), terms, loan amounts and fees all vary depending on the state you live in.

Limited availability: This lender only offers installment loans in 24 states, which will exclude many potential borrowers.
High APRs: If you live in a state where you can take out a loan with Integra Credit, expect to pay a hefty sum in interest — Integra APRs range from 149.00% to 399.00%. These rates are more in line with payday loans than traditional personal loans, which tend to max out closer to 36% APR.
Small loan amounts: Integra Credit offers small loans that range from $500 to $3,000, depending on where you live. If you’re looking to borrow a larger sum, you’ll need to look elsewhere.
Short repayment terms: If you borrow money from Integra Credit, you’ll only have 10 to 21 months to repay it. The loan term will depend on where you live.
Best for bad-credit borrowers: At first glance, a lack of credit score requirement may look attractive to consumers with bad credit. However, due to the excessively high cost of borrowing, it’s best to avoid this lender if possible.

Integra Credit pros and cons

While Integra Credit does offer some positives, its loans are extremely expensive.

Pros

Fast funding
No prepayment penalties
Offers small loan amounts

Cons

Extremely high APRs
Short repayment terms
Not available everywhere

While most lenders start their loans at $1,000 or more, Integra Credit offers loans as small as $500 in some states.

Integra Credit may send your money as soon as the business day after you sign your loan agreement, which can help if you’re in need of access to quick cash. You can also repay your loan before it’s due without worrying about prepayment penalties.

On the other hand, Integra Credit charges APRs that can be as high as those of a payday loan. And while traditional personal loans come with repayment terms that typically range from 12 to 84 months, Integra Credit only offers terms from 10 to 21 months.

The high APR and short repayment period could make an Integra loan hard to repay. It’s also possible that you may pay more interest than what you borrowed, so consider your options carefully.

Integra Credit requirements

Not only do you have to live in a state where Integra Credit operates, but you’ll also have to be of legal age to sign a contract where you live (typically 18 years old).

Minimum credit score	None
Residency requirements	Must be a U.S. resident and live in a state where Integra Credit does business .
Required documents	Proof of income and employment Must have Social Security number Must have verifiable bank account
Administrative	Must have a valid email address

If Integra Credit’s loan options won’t work for your borrowing needs, be sure to shop around for a lender that helps you meet your financial goals and can offer you the best-fitting rates, terms and amounts.

Best personal loan options for:

How to get a personal loan with Integra Credit

While you will have to create an account with Integra Credit, the overall application process is simple with a quick funding timeline.

Create an account

To get an Integra Credit loan, you’ll first need to create an account with the company. Here, Integra asks for your name, email address and phone number.

Fill out an application

Once you’ve created an account, you’ll fill out an online application. To do this, you will provide Integra with more personal details, including your address, checking account information and Social Security number. You may also need to provide documentation like recent pay stubs or bank statements or W-2s as proof of income.

Close on your loan

If Integra Credit approves your loan request, you will then sign your loan documents and accept the loan. After this, Integra Credit typically deposits your money as soon as the next business day.

How Integra Credit compares to other personal loan companies

Even if you believe Integra Credit aligns with what you’re looking for in a personal loan, it never hurts to shop around and compare other lenders. Here’s how Integra Credit stacks up against similar personal loan lenders.

Lender	Integra Credit	Upstart	OppLoans
LendingTree’s rating	3/5	4.4/5	3.2/5
Minimum credit score	None	None	None
APRs	149.00% to 399.00%	6.30% to 35.99%	99.00% to 195.00%
Loan amounts	$500 to $3,000	$1,000 to $75,000	$500 to $5,000
Repayment terms	10 to 21 months	36 or 60 months	9 to 18 months
Origination fee	None	Varies	None
Funding timeline	Get money as soon as the next business day	Get money as soon as the next business day	Get money as soon as the same business day.
Bottom line	Out of these three lenders, Integra Credit has the highest starting and maximum APRs by far. It also has the smallest loan amounts. However, similar to the other two lenders, it offers quick funding.	Upstart may be a great option for bad-credit borrowers. Even its max APR is comparably affordable when held up to Integra Credit, and you can repay your loan over a significantly longer period.	While OppLoans has slightly less flexible repayment terms than Integra Credit, its starting APRs are lower. It also offers larger loans and potentially quicker funding than Integra Credit.

How we rated Integra Credit

We evaluate personal loan lenders on more than just interest rates. Our goal is to show how accessible, affordable, transparent and supportive each lender really is.

Our categories

Every lender is scored out of 5 stars, with 5 stars being the highest rating. LendingTree loan experts determine this score using dozens of underlying data points across four weighted categories covering the full borrowing journey.

Eligibility and access (30%)

We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.

Cost to borrow (35%)

We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.

Loan terms and options (20%)

We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.

Repayment support and tools (15%)

We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.

Our process

We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.

In some cases, our editors may apply a small adjustment (no more than 4% of the overall score) to account for factors not captured by the methodology. This could include J.D. Power customer satisfaction surveys, recent regulatory actions or features that stand out in ways our rubric doesn’t measure directly.

Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings. Read more about our editorial guidelines.

Frequently asked questions

Integra Credit offers high-interest loans on par with payday loan rates. While the application process is relatively easy and does not require a hard credit check, the cost of borrowing is significantly higher than with many other personal loan options. If you need an emergency loan with bad credit, it may be worth considering other options.

No, Integra Credit does not approve everyone. While it does specialize in bad credit loans, you still have to be the right age, live in the right state, be a U.S. resident and provide proof of satisfactory income to qualify. This means you could still potentially see your application denied.

Integra Credit loans can be processed as soon as the next business day. If you sign your loan documents by 8 p.m. CT on a weekday or 3:30 p.m. CT on a Sunday, you could see the funds in your account the following day. It’s important to note that this timeline is a potential — not a guarantee.

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Integra Credit pros and cons
Integra Credit requirements
How to get a personal loan with Integra Credit
How Integra Credit compares to other personal loan companies
How we rated Integra Credit
Frequently asked questions

Loan Amount	Loan Term (Years)	Rate	APR	Origination Fee	Estimated Fixed Monthly Payment*
$1,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$5,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$5,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$10,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$10,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$15,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$15,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$20,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$20,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$25,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$25,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$30,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$30,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$35,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$35,000	5	n/a*%	n/a*%	$n/a*	$n/a*
$50,000	3	n/a*%	n/a*%	$n/a*	$n/a*
$50,000	5	n/a*%	n/a*%	$n/a*	$n/a*

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