Apply for an Integra Credit Loan — see your rate in minutes
Loans from $200 to $5,000 with no origination fee and no prepayment penalty. Checking your rate is a soft inquiry; nothing is final until you review every number and e-sign.
After you submit
Underwriting weighs income and banking history alongside your credit file. Most applicants see an answer on screen.
Your amount, fixed APR, every payment date and the total cost on one page. Walk away at no cost if it doesn't fit.
Often the next business day. Your schedule appears in your account and autopay handles each payment.
Have an invitation code?
Enter the personal code printed on your mail offer in the form to pre-fill your details. Not required — anyone in a serviced state can apply.
Where to find your codeQuick answers
Does checking my rate affect my credit score?
No. Checking your rate uses a soft inquiry. A hard inquiry may occur only at final approval, depending on the lending partner and your state, and you are told before that happens.
What do I need to apply?
Your Social Security number, date of birth, income source and pay frequency, and the account and routing numbers of a checking account in your name. Most details are verified electronically.
How long until I have the money?
Decisions are usually shown within minutes. After you e-sign, funds are sent by direct deposit as soon as the next business day.
Is there any cost to apply?
None. There is no application or origination fee, and nothing is charged unless you accept a loan — and even then every cost is shown before you sign.