Disclosures

1. Independence

integracreditapply.com is an independent website and is not affiliated with, operated by, or endorsed by Deinde Financial, LLC, integracredit.com, TAB Bank or Quill Bank. We do not process applications or make credit decisions.

2. Who lends

Integra Credit-branded loans are originated by Transportation Alliance Bank, Inc. (TAB Bank) or Quill Bank, both FDIC-insured, for residents of Alabama, Arizona, Arkansas, Florida, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Montana, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee and Texas; and by a licensed Integra Credit company for residents of Delaware, Idaho, Missouri, Utah and Wisconsin. All loans are serviced by Deinde Financial, LLC d/b/a Integra Credit.

3. Cost of credit

This is an expensive form of credit. Published APRs range from approximately 149% to 399% depending on state and borrower profile. There is no origination fee and no prepayment penalty; late fees apply as permitted by state law. Representative examples published by the lender: a $1,700 loan repaid in 19 monthly payments of $294.04 (APR 187.42%); a $1,200 loan repaid in 12 monthly payments of $234.04 (APR 198.08%). Your terms may differ and are disclosed before you sign.

4. Eligibility and availability

Not all applicants will qualify, and not all who qualify will receive the maximum amount. Loan amounts, terms and products vary by state; line-of-credit products are offered in a subset of states and may be discontinued. Checking your rate involves a soft inquiry; a hard inquiry may occur at final approval.

5. Suitability

Integra Credit loans are designed for short-term financial needs and are not a solution for long-term debt. Consider whether the cost fits your budget, and compare alternatives — including credit-union loans and lower-APR lenders — before borrowing.

6. Compensation

We may receive compensation when visitors follow links from this site to a lender or other provider. This does not affect the rates or terms you are offered, and it does not influence the facts we publish, which are taken from lenders' public disclosures and re-verified monthly.

7. Reviews and ratings

Aggregate ratings cited on this site (Trustpilot TrustScore and review count, Better Business Bureau rating) are those published by the respective platforms on the date shown. Individual review excerpts reflect recurring themes in those sources and are not endorsements by the platforms.

8. Contact

Questions about these disclosures: [email protected]. Mailing address: 120 S. LaSalle St., Suite 1600, Chicago, IL 60603.