Integra Credit vs Rise Credit: Which Loan Is Better for You?
Rise serves the same credit tier with a wider APR range and much longer terms. Rates can drop on repeat loans with on-time payments — a feature Integra Credit offers informally through repeat-borrower limits.
Integra Credit vs Rise Credit at a glance
| Feature | Integra Credit | Rise Credit |
|---|---|---|
| Loan amounts | $200–$5,000 | $500–$5,000 |
| APR | 149%–399% | 59.8%–299% |
| Term | 10–21 months | 7–36 months |
| Origination fee | $0 | Up to 5% in 5 states, else $0 |
| Funding | Next business day | Next business day |
| Credit check | Soft pull to apply | Soft pull, hard pull before funding |
| States | 24 | 30 |
| Min. credit score | No minimum | No minimum |
| Reports to bureaus | Yes | Yes |
| Prepayment penalty | None | None |
Where Integra Credit wins
- No origination fee in every state (Rise charges up to 5% in DE, ID, MO, UT, WI)
- Lower amount floor ($200)
- One-page offer with every payment date shown
Where Rise Credit wins
- Lower APR floor (59.8%) and ceiling (299%)
- Terms up to 36 months
- Available in 30 states vs 24
Integra Credit or Rise Credit?
Rise usually wins on headline APR, Integra Credit on fees and simplicity. Get both offers — the one with the lower total cost over the term you actually plan to keep is the better loan.
Integra Credit vs Rise Credit — FAQ
Is Integra Credit or Rise Credit better for bad credit?
Rise usually wins on headline APR, Integra Credit on fees and simplicity. Get both offers — the one with the lower total cost over the term you actually plan to keep is the better loan.
Which is cheaper, Integra Credit or Rise Credit?
Compare the APR you are actually offered, not the advertised range: Integra Credit publishes 149%–399%, Rise Credit 59.8%–299%. Both let you pay off early with no penalty, so the lender you can repay fastest is usually the cheaper one.
Can I apply to both Integra Credit and Rise Credit?
Yes. Both start with a soft inquiry, so checking rates at both does not affect your credit score. Compare the offers side by side before accepting either.
Other comparisons
Get the real number, not the range
Checking your Integra Credit rate is a soft inquiry. Compare the actual offer with Rise Credit's before you decide.