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Integra Credit Review: Personal Loan

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Integra Credit personal loans at a glance

99.99% to 399.99%
Loan Terms:
6 to 24 months
Loan Amounts:
$500 to $3,000
Origination Fee:
Not specified

Integra Credit is a Chicago-based online company that offers personal loans with interest rates that reach well above 100% APR. Its products may be a good option for bad credit loans for those who need quick access to funds and who have no other options. Click below to learn more in this Integra Credit review.

  • Small loans available: The exact amount you can borrow varies by state, but Integra Credit allows borrowers to take out loans as small as $500 or as high as $3,000
  • Fast approval and funding: Integra Credit prides itself on a short application process, along with nearly instantaneous funding decisions, initially requiring only a Soft Pull pull of your credit report. Integra Credit reviews from customers show that the lender fulfills its promise of funding your loan as soon as the next business day.
  • Poor credit accepted: Integra credit accepts borrowers with a poor credit history. It doesn’t specify a minimum credit score, but it emphasizes that it uses criteria outside of credit scores as a part of its application process.
  • Expensive form of credit: Though its light on fees, such as not imposing prepayment penalties, Integra Credit states that it offers an expensive form of credit. Borrowers should understand the risks and costs of borrowing at high interest rates.


Pros Cons
  Soft credit inquiry: Applying for a loan won’t hurt your credit score.

  Bad credit accepted: Borrowers may qualify even if they have been turned down by other lenders.

  Next day funding: When you accept a loan offer, Integra Credit can fund it as soon as the next business day.

  Expensive form of credit: The APR on Integra Credit’s loans extends to 399.99%. This is a type of credit you want to avoid if possible.

  Not available in all states: Personal loans from Integra Credit are available in 24 states.*

  Shorter repayment periods: Loan terms range from 6 to 24 months. Other lenders offer repayment periods up to 60 months or even longer.

*States for personal loans: Alabama, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oregon, South Carolina, South Dakota, Texas, Utah and Wisconsin

States for personal line of credit: Kansas and Tennessee

As of Oct. 19, 2021

Integra Credit personal loan requirements

Like other lenders, Integra Credit reviews your creditworthiness when making underwriting decisions. With that said, the company offers loans to people with bad credit or no credit at all.

The main borrowing requirements are that you must be 18 years old, have a valid bank account and be a resident of the United States. You may be required to show proof of income (such as a pay stub) to prove you can repay the loan.

  • Minimum credit score: No minimum specified but Integra Credit claims it considers more than your credit score when reviewing your application.
  • Minimum credit history: Not specified.
  • Maximum debt-to-income ratio: Not specified.

Which borrowers are the best fit for an Integra Credit personal loan

For many borrowers, it makes sense to use personal loans to pay for an unexpected expense, to consolidate high interest debt or to fund a major purchase. But personal loans from Integra Credit come with exceptionally high rates and fees, meaning you’d only want to borrow from this lender if you have no other options.

Integra Credit’s personal loan is also only available in 24 states, so many borrowers won’t be eligible. If you’d like to borrow from this lender, you’ll need a plan to quickly repay your debt — repayment terms are short and you should do your best to minimize your cost of borrowing.

What borrowers are saying in Integra Credit reviews

Integra Credit reviews from past and current borrowers are overwhelmingly highlighted by positive experiences with the company, in spite of the expensive cost of credit. Across 58 reviews posted on LendingTree, the lender scored 4.7 out of 5 stars, as of October 2021.

Kimberly of Salt Lake City wrote, “Instant approval! Even with my current horrible credit score. Helps if you can pay the loan off faster, if possible.”

With fast approvals and fast funding, borrowers were consistently impressed with the ease of borrowing money. One of the drawbacks mentioned was the timing of payments. Timothy of Beufort, S.C. wrote, “I give a 4 star rating only because of the no-weekly payments. They withdraw from your account automatically on every pay period.”

Applying for a personal loan from Integra Credit

To apply for a loan from Integra Credit, you’ll fill out a simple online application. You’ll have to supply details such as your name, Social Security number and home address. Integra Credit will use these details to check your credit report. It may seem odd for Integra Credit to check your credit history. However, understanding a borrower’s current debts and payment history is important even for lenders that specialize in subprime lending.

In addition to authorizing an Integra Credit review of your credit report, you’ll need to supply information about your income. This includes uploading a recent pay stub or another document to verify income.

After you’ve completed the application, Integra Credit will issue a loan decision. For accepted borrowers who meet personal loan requirements, the account can be funded as soon as the next business day.

Integra Credit reviews compared to competing lenders

Comparing Integra Credit to competitors
Integra Credit LendingPoint Peerform OneMain Financial
APR: 99.99% to 399.99%

Loan length: 6 to 24 months

Loan amount: $500 to $3,000

Origination fee: Not specified

Min. credit score: Not specified

APR: 7.99% to 35.99%

Loan length: 24 to 72 months

Loan amount: $2,000 to $36,500

Origination fee: 0.00% - 8.00%

Min. credit score: 620

APR: 5.99% to 29.99%

Loan length: 36 or 60 months

Loan amount: $4,000 to $25,000

Origination fee: 1.00% - 5.00%

Min. credit score: 600

APR: 18.00% to 35.99%

Loan length: 24 to 60 months

Loan amount: $1,500 to $20,000

Origination fee: 1.00% - 10.00%

Min. credit score: Not specified

LendingPoint vs. Integra Credit

Even if your credit score is below 600, LendingPoint may be willing to work with you. The lender offers personal loans to borrowers with credit scores as low as 620. Its maximum interest rate is 35.99% APR, making it a much more affordable option compared with Integra Credit.

You won’t sacrifice speed when you borrow through LendingPoint, either. LendingPoint’s borrowers may see loans funded the next business day.

Peerform vs. Integra Credit

Peerform is a peer-to-peer lending marketplace. Borrowers can apply for anywhere from $4,000 to $25,000, and investors can choose whether to fund the loan. Interest rates are modest, making this marketplace a viable alternative to Integra Credit for borrowers with OK credit. The drawback to Peerform is the speed of funding. You’ll only receive funding if investors choose to buy into your loan. In some cases, that could take a long time.

OneMain Financial  vs. Integra Credit

OneMain Financial’s loans are far less expensive than Integra Credit’s loans. Its rates max out at 35.99% APR. But what you save in money, may end up costing you in time. OneMain Financial isn’t an online lender. Borrowers can start a personal loan application online, but they have to meet with a loan specialist before getting funding. Despite the longer timeline, the interest rates savings make OneMain Financial a lender worth considering depending on your credit.


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