Integra Credit FAQ: Every Question, One Page

Integra Credit products range from $200 to $5,000 depending on product, state and profile. Published state ranges for installment loans are $500–$3,000; line-of-credit limits run up to $3,000 where offered. Read more

Two core products: a personal installment loan (lump sum, fixed payments over 10–21 months) and, in some states, a personal line of credit (revolving limit up to $3,000). Both have no origination fee and no prepayment penalty. Read more

Pick the installment loan for a known, one-time expense you want on a fixed payoff schedule. Pick the line of credit for ongoing or unpredictable needs where you want to re-borrow as you repay. Read more

Any personal expense — car repairs, medical bills, moving, utilities, consolidating higher-cost balances, or an emergency. Funds are deposited to your checking account. Read more

Existing customers in good standing can often request additional credit after several on-time payments. Repeat applications are quick because your details are on file. Read more

No minimum score is published. Underwriting uses alternative data — income stability, banking history — alongside your credit file, so borrowers with scores in the 500s and thin files are approved routinely. Read more

Checking your rate starts with a soft inquiry that doesn't affect your score. A hard inquiry may occur at final approval depending on the lending partner and your state — you're told before it happens. Read more

Yes. Integra Credit is designed for borrowers with poor or limited credit who are declined by banks. A stronger profile mainly improves the amount and APR you're offered. Read more

Be 18+ (19 in Alabama and Nebraska), live in a serviced state, have regular verifiable income, an active checking account in your name, a Social Security number and valid ID, and working contact details. Read more

Usually a non-serviced state, income that couldn't be verified, a new or overdrawn checking account, an open bankruptcy, or identity details that didn't match records. Most are fixable; you can reapply. Read more

Yes. Payment history is reported to the major bureaus, so on-time payments can help build credit — and late payments are reported too. Read more

Online, in about five minutes: enter personal, income and bank details, get a decision (usually within minutes), review your offer, e-sign. Funds are sent by direct deposit. Read more

After approval and e-signature, funds are typically deposited as soon as the next business day. Applications signed late in the day or before a weekend may take an extra business day. Read more

A personal code printed on prescreened mail offers, below the offer amount. Entering it at the address on the letter (myintegracredit.com) pre-fills part of the application. The QR code does not contain it. Read more

No. The code only speeds up the form. Anyone in a serviced state can apply online with the same underwriting and terms. Read more

Integra Credit is managed through its mobile-friendly website and online account rather than a standalone app store app. Apply, sign, view your schedule and make payments from any browser. Read more

No. Integra Credit loans are individual applications only.

Published APRs range from 149% to 399% — 159%–249% in bank-partner states, 149%–399% in direct-lending states. Your rate depends on your state, income, profile and term, and is shown before you sign. Read more

No. There are no origination, application or processing fees. The approved amount is the amount deposited. Read more

No. Pay extra or pay off in full at any time. Paying early reduces total interest. Read more

Set by state law and shown in your agreement: $15 after a 10-day grace period in bank-partner states; typically $15 or 5% of the unpaid payment after 10–15 days elsewhere, capped in some states. Read more

Integra Credit lends small, unsecured amounts on short terms to borrowers banks decline, and prices that risk into the APR. It suits short-term needs you can repay quickly — paying off early cuts the cost sharply. Read more

Most borrowers use automatic debit from the checking account on file, taken on each due date. One-time and extra payments can be made through your online account. Read more

Yes, with no penalty. Request a payoff amount through your account or by emailing [email protected]. Read more

There's a 10–15 day grace period by state; after that a late fee applies and a payment 30+ days late can be reported to the bureaus. Contact support before the due date if you expect a problem. Read more

Update it in your online account or with support before the next due date to avoid a returned debit and fee. Read more

Twenty-four: Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah and Wisconsin. Read more

Yes. Loans are originated by FDIC-insured partner banks (TAB Bank, Quill Bank) or a state-licensed Integra Credit company and serviced by Deinde Financial, LLC in Chicago. It holds a BBB A+ rating and a 4.7/5 TrustScore across 3,120 reviews. Read more

In 19 states, TAB Bank or Quill Bank; in Delaware, Idaho, Missouri, Utah and Wisconsin, a licensed Integra Credit entity. Deinde Financial, LLC d/b/a Integra Credit services every loan. Read more

Email [email protected]. Support hours are Monday–Friday 7am–9pm CT and Saturday 8am–5pm CT. Read more

Applications run over an encrypted SSL connection and bank verification is electronic. Integra Credit never asks for your online-banking password or a fee before funding. Read more

Prescreened offers come from credit-bureau lists; opt out for all bureaus at OptOutPrescreen.com. Read more