Integra Credit Personal Loans — $200 to $5,000, Funded Fast
Get the cash you need with no origination fees and no prepayment penalties. Apply online in about five minutes and receive your funds as soon as the next business day — all credit types are welcome to apply.
Loans originated through FDIC-insured bank partners and state-licensed lenders, serviced by Deinde Financial LLC.
Integra Credit Personal Loans: $200 to $5,000
No Origination Fee, No Prepayment Penalty
Integra Credit never charges an upfront fee to process your application, so the amount you're approved for is the amount deposited in your account. Pay your balance off early at any time and save on interest — there is no fee for early repayment.
Next-Day Funding, All Credit Types Welcome
Once approved and signed, funds are sent by direct deposit — often as soon as the next business day. Integra Credit looks beyond a traditional credit score and uses alternative data in underwriting, so borrowers with poor or limited credit history may still qualify. See the full requirements.
Start My ApplicationIntegra Credit Loan Options
Two core products built around how you borrow — a fixed repayment plan for a one-time expense, or revolving access to funds for ongoing needs.
Personal Installment Loan
Borrow a lump sum and repay it in fixed, predictable payments over a set term. Ideal for car repairs, medical bills, debt consolidation, or any one-time expense you can plan for.
Personal Line of Credit
Draw funds whenever you need them up to your credit limit, pay interest only on what you borrow, and re-use your available credit as you repay. Built for unpredictable or recurring expenses.
| Feature | Installment Loan | Line of Credit |
|---|---|---|
| Loan type | Fixed lump sum | Revolving credit |
| Amount | $200 – $5,000 | Up to $3,000 |
| Repayment | Fixed monthly payments | Minimum payment on balance |
| Term | 10 – 21 months | Revolving, no set end date |
| Re-borrow | New application required | Yes, as you repay |
| Fees | $0 origination · no prepayment penalty | $0 origination · no prepayment penalty |
| Best for | One-time, known expenses | Ongoing or variable needs |
Rates, Fees & the Real Cost of Borrowing
Every cost is disclosed in your loan agreement before you sign. Here's what to expect from an Integra Credit loan.
Varies by state, loan term, and creditworthiness. Your exact rate is shown before you accept.
Rates by stateNo upfront or processing fee. You receive the full approved amount.
Pay off early at any time and reduce the total interest you pay.
How early payoff works
How to Apply for an Integra Credit Loan
Apply online
Complete the short application in about five minutes with basic personal, income, and banking details. What you'll need
Get a decision
Receive a quick decision — often within minutes. Underwriting uses alternative data, not just a credit score.
Review your terms
See your loan amount, APR, payment schedule, and every fee in plain language before you accept.
Get your funds
Sign electronically and receive your money by direct deposit — as soon as the next business day.
Bank Partnership & Lending Model
Depending on your state, your loan is originated either by an FDIC-insured partner bank or by a state-licensed Integra Credit entity. In every case, Deinde Financial LLC (d/b/a Integra Credit) services the loan from application to final payment.
- TAB Bank — Utah-chartered, FDIC-insured partner for installment loans
- Quill Bank — FDIC-insured partner for line-of-credit products
- State-licensed entities — direct lending under local consumer-credit law
Integra Credit is your trusted lending partner — no origination fees, no prepayment penalties, and funding as soon as the next business day.
Estimate Your Monthly Payment
Move the sliders to see what an Integra Credit loan could cost each month — and how much you can save by paying it off early with no prepayment penalty.
Estimates only. Figures assume equal monthly payments over the selected term at the selected APR; your actual rate, term, payment schedule, and loan amount depend on your state and creditworthiness and will be disclosed before you sign. Integra Credit APRs range from approximately 149% to 399% — see the state-by-state rate table. Planning to pay off early? Here's how early payoff works.
What Borrowers Say About Integra Credit
Independent ratings from real customers, collected on a third-party review platform.
TrustScore and distribution as published on Trustpilot, October 2026. Ratings change over time.
What borrowers praise most
- A simple, quick online application that takes minutes
- Fast approval, with funds often deposited the next business day
- Polite, knowledgeable staff who explain the process clearly
- Responsive customer service and a low-stress experience
- Options to refinance or borrow again after paying on time
Most common complaints
- High interest rates that make repayment expensive
- Occasional problems with automatic payments
- Loan terms that some borrowers found hard to understand
Our advice: review your APR and payment schedule carefully, and only borrow what you can comfortably repay. Compare alternatives.
Funded the next business day — exactly what I needed
I was in a tight spot after my car broke down and needed $1,500 fast. Applied online around 9 PM, got approved within minutes, and the money hit my checking account the very next morning. The whole process was straightforward — no confusing paperwork. Yes, the interest rate is higher than a bank loan, but when you have a 580 credit score like me, banks won't even talk to you. Integra Credit gave me a real option when I had none.
Third time borrowing — they keep making it easy
This is my third loan with Integra Credit and every experience has been smooth. Once you're an existing customer, re-applying takes literally five minutes. I appreciate that they report to the credit bureaus too — my score actually went up 40 points over the past year from making on-time payments. Customer service picked up right away when I called to ask about my payoff balance. Highly recommend if you need a personal loan and don't have perfect credit.
Good service, just wish the rates were lower
Applied for $2,000 to cover some unexpected medical bills. Got approved the same day and funds arrived in two business days. The customer support rep who called me was really patient explaining the payment schedule and made sure I understood everything before I signed. Only reason for 4 stars instead of 5 is the APR — it's steep. But honestly, I couldn't get approved anywhere else, and they were upfront about the cost from the start. No hidden fees either.
States Where Integra Credit Loans Are Available
Integra Credit serves borrowers in 24 states. Loan amounts, rates, and the originating lender vary by where you live.
State-specific terms
Loan amounts, APR, fees, and repayment terms differ by state under local lending regulations. For example, Texas installment loans run from $500 to $3,000 over 12 to 21 months through TAB Bank or Quill Bank, while Utah loans are made by a licensed Integra Credit company with terms of 10 to 18 months.
Line-of-credit products are being phased out in some states and may not be available everywhere listed. If your state isn't shown, availability may change — check back soon. See rates and terms by state.
All states, amounts and lendersEligibility Requirements
U.S. resident, 18+
Live in a state where Integra Credit operates and be at least 18 (19 in Alabama and Nebraska).
Active bank account
A checking account in your name for direct deposit of funds and automatic payments.
Regular income
Verifiable income from employment, self-employment, benefits, or another steady source.
Valid contact details
A working email, phone number, and current home address to set up and manage your account.
About the credit check
Integra Credit evaluates applications with alternative data and proprietary underwriting rather than a credit score alone. The initial check is typically a soft inquiry that does not affect your score; a hard inquiry may occur at final approval depending on the lending partner and your state. On-time payments are reported to the major credit bureaus, which can help you build credit over time. More on credit checks in the FAQ.
Why borrowers choose Integra Credit
Transparent pricing with no hidden fees — and a clear view of the trade-offs before you apply.
You receive the full approved amount — nothing is deducted upfront.
Pay off early at any time and save on the remaining interest.
Poor or thin credit history is welcome — approval looks beyond the score.
Once approved and signed, funds arrive by direct deposit as soon as the next business day.
On-time payments are reported to credit bureaus to help strengthen your file. How payments are reported
Consider these before you apply
Rates of 149%–399% are far above traditional bank loans. Best for short-term needs you can repay quickly. See alternatives
The $5,000 maximum may not cover larger expenses.
Available in 24 states; terms vary by location. Check your state
No branches — applications and servicing are handled entirely online.
About Integra Credit
An online lending platform committed to responsible, transparent credit for Americans who need fast access to funds.
Based in Chicago, Integra Credit offers personal installment loans and lines of credit entirely online, with loans originated through FDIC-insured bank partners and state-licensed lenders and serviced by Deinde Financial LLC. Every offer is presented with its full APR, payment schedule, and total cost before you sign — no origination fees, no prepayment penalties, and no surprises. More about us.
Headquarters
120 S. LaSalle St., Suite 1600
Chicago, IL 60603
Customer service
[email protected]
Mon–Fri 7am–9pm CT · Sat 8am–5pm CT
Customer service guide
Credentials
BBB A+ rating · FDIC-insured bank partners · Operated by Deinde Financial LLC
Integra Credit FAQ
What loan amounts does Integra Credit offer?
Integra Credit offers personal installment loans from $200 to $5,000, with the exact amount depending on your state and creditworthiness. Line-of-credit limits run up to $3,000 in participating states. Published state ranges are typically $500 to $3,000 — see the rates by state table.
Does Integra Credit charge origination fees?
No. There are no origination fees and no prepayment penalties on any Integra Credit product. The amount you're approved for is the amount you receive, and every cost is disclosed in your agreement before you sign.
What APR should I expect?
APRs range from roughly 149% to 399% depending on your state, creditworthiness, and loan term. These rates are higher than traditional bank loans because Integra Credit serves borrowers with limited or poor credit who may not qualify elsewhere. Always review your specific rate before accepting. See rates by state.
Can I get an Integra Credit loan with bad credit?
Yes. Integra Credit is designed for borrowers with less-than-perfect credit. Underwriting uses alternative data and proprietary technology beyond a traditional score, so you may qualify even if other lenders have turned you down. No minimum credit score is published. Review the requirements.
How fast can I get funded?
After approval and e-signing your agreement, funds are typically deposited directly to your bank account as soon as the next business day. The application takes about five minutes, and decisions are often provided within minutes. See how it works.
What states does Integra Credit serve?
Integra Credit currently lends in 24 states, including Texas, Michigan, Florida, Ohio and Utah. Loans are originated by TAB Bank or Quill Bank in 19 of them and by a licensed Integra Credit company in Delaware, Idaho, Missouri, Utah and Wisconsin. Amounts, APRs and terms depend on where you live — see the full list of states for your local terms.
Does Integra Credit do a hard credit check?
The initial application typically involves a soft inquiry that does not affect your credit score. A hard pull may occur during final approval depending on the lending partner and your state. Details are shown during the application.
Can I pay off my loan early?
Yes. There is no prepayment penalty, so you can pay your balance in full at any time and save on interest. See how early payoff works.
Does Integra Credit report to the credit bureaus?
Yes. Payment history is reported to the major credit bureaus, so on-time payments can help you build or rebuild your credit over time.
Installment loan or line of credit — which should I choose?
An installment loan gives you a one-time lump sum repaid in fixed monthly payments over 10–21 months — best for a known, one-time expense. A line of credit gives you a revolving limit you can draw from as needed, paying interest only on what you use — best for ongoing or unpredictable needs. Compare installment loans and the line of credit.
Ready to Get Started
with Integra Credit?
Apply online in minutes. No origination fees, no prepayment penalties, and funds as soon as the next business day.