Integra Credit Bad Credit Loans: Approval That Looks Past the Score
No minimum credit score. Underwriting weighs your income and banking history, so a 520 with steady pay can be approved where a bank would say no. $200–$5,000, funds as soon as the next business day — and on-time payments reported to help rebuild.
Where Integra Credit says yes
Most lenders stop at "fair". Integra Credit's lane is the bottom three rungs — the borrowers everyone else turns away.
Income and bank history outweigh the score
Integra Credit's model reads your checking-account activity and pay pattern directly. A steady deposit every two weeks says more than a number from three years ago.
What people get wrong about bad-credit loans
"Checking my rate will lower my score."
Checking your Integra Credit rate is a soft inquiry. A hard pull happens only at final approval, and you're told first.
"Bad-credit loans can't help my credit."
Payments are reported to the major bureaus. On-time history is exactly what rebuilds a score.
"Guaranteed approval exists."
No legitimate lender guarantees approval. Anyone who does — or asks for a fee first — is a scam.
"The APR is the whole story."
Total cost depends on how long you keep the loan. No prepayment penalty means paying off in months, not years, slashes the cost.
It's expensive — so keep it short
APRs run 149%–399%. That's the price of saying yes to thin files. Borrow only what you need, set up autopay, and pay it off as fast as you can.
Bad credit loans — FAQ
Can I get an Integra Credit loan with a 500 credit score?
Yes, applicants with scores in the 500s are approved routinely. There is no published minimum; underwriting weighs income stability and banking history alongside the score.
Does Integra Credit approve people with no credit history?
Yes. Thin or no credit files are evaluated on alternative data — income, pay frequency and checking-account history — rather than a score that doesn't exist yet.
Will a bad-credit loan from Integra Credit help my score?
It can. On-time payments are reported to the major bureaus, which builds positive history. Several repeat borrowers describe score gains over a year of payments. Late payments are reported too.
What is the catch with bad-credit loans?
Cost. Integra Credit prices the risk into APRs of 149%–399%. The loan suits short-term needs you can repay within months — keep the term short and pay extra when you can.
Is "guaranteed approval" real?
No legitimate lender guarantees approval. Integra Credit approves a high share of thin-file applicants, but every application is underwritten. Any lender promising guaranteed approval or asking for a fee up front is a red flag.
See if you're approved — soft inquiry only
Five minutes, no fees, no effect on your score. Decision usually in minutes.