Integra Credit vs the Competition: Five Head-to-Heads
How Integra Credit stacks up against the lenders bad-credit borrowers compare it with most — on amounts, APR, fees, speed and where each one lends.
All five at a glance
| Feature | Integra Credit | OppLoans | NetCredit | Rise Credit | Jora Credit | MoneyLion |
|---|---|---|---|---|---|---|
| Loan amounts | $200–$5,000 | $500–$5,000 | $1,000–$10,000 | $500–$5,000 | $500–$4,000 | Instacash up to $500; Credit Bui… |
| APR | 149%–399% | 99%–195% | 34%–99% | 59.8%–299% | 75%–349% | 0% advance (optional fees); ~6%–… |
| Term | 10–21 months | 9–24 months | Varies by state | 7–36 months | Up to 33 months | Next paycheck / 12 months |
| Origination fee | $0 | $0 | $0 | Up to 5% in 5 states, else $0 | $0 | Membership $19.99/mo for Credit … |
| Funding | Next business day | Same or next day | Often within 24 hours | Next business day | Next business day | Minutes (express) to days |
| Credit check | Soft pull to apply | Soft pull (Experian) + alt-burea… | Soft pull, hard pull on acceptan… | Soft pull, hard pull before fund… | Soft pull | No credit check (advance) |
| States | 24 | ~40 | Most, not all | 30 | Limited | All 50 |
| Min. credit score | No minimum | No minimum | No minimum | No minimum | Bad credit OK | None |
| Reports to bureaus | Yes | Yes | Yes | Yes | Yes | Builder loan only |
| Prepayment penalty | None | None | None | None | None | None |
Published ranges as of October 2026; individual offers vary. MoneyLion figures refer to its Instacash advance and Credit Builder Plus loan.
Pick a comparison
OppLoans is the closest like-for-like rival: same borrower, similar amounts, no origination fee, next-day funding.
NetCredit sits a tier up: larger loans, far lower APRs, and longer terms — but it is harder to qualify for and usually wants a steadier credit history than Integra Credit.
Rise serves the same credit tier with a wider APR range and much longer terms.
Jora is a smaller online installment lender for bad-credit borrowers.
MoneyLion is not a direct competitor — it is a cash-advance app with a small credit-builder loan.
Lower APR first, then speed, then fees
Try the cheapest lender you might qualify for first. If declined, move down the list. Integra Credit's edge is approval for thin files, $0 fees and next-day funding.
Comparing lenders — FAQ
Which lender is most like Integra Credit?
OppLoans and Jora Credit are the closest matches: online installment loans of a few thousand dollars for bad-credit borrowers, no origination fee, funding in about a day. Rise Credit is similar with longer terms; NetCredit is a tier up in cost and amount; MoneyLion is a cash-advance app rather than a lender.
Which has the lowest APR?
NetCredit (34%–99%) by a wide margin, then Rise (from 59.8%) and OppLoans (from 99%). Integra Credit's floor is 149%. Lower-APR lenders generally require a stronger credit and income profile.
Does checking rates at several lenders hurt my credit?
No, as long as each starts with a soft inquiry — Integra Credit, OppLoans, NetCredit, Rise and Jora all do. A hard inquiry only happens when you accept an offer, and some lenders use alternative bureaus that don't affect FICO.
Compare real offers, not advertised ranges
Soft inquiry at Integra Credit shows your actual amount and APR in minutes.