A five-minute online form, a decision in minutes, a clear offer to sign, and funds by direct deposit as soon as the next business day. Here's each step — and what to have ready.
Enter your name, address, date of birth and Social Security number, your income source and pay frequency, and the checking account you want funds sent to. Everything is verified electronically — you rarely need to upload anything.
Underwriting runs a soft inquiry — no effect on your score — and weighs income stability and banking history alongside your credit file. Most applicants see a decision on screen within minutes; a few are asked for a pay stub or statement.
Your amount, fixed APR, every payment date and the total cost are shown on one screen in plain language. Nothing is final until you sign electronically — and you can walk away with no cost.
Once signed, funds are sent by direct deposit to your checking account — often the next business day. Your online account shows the schedule, and automatic debit handles each payment on its due date.
About five minutes if you have your Social Security number, income details and checking-account numbers at hand. Decisions are usually shown within minutes of submitting.
Checking your rate uses a soft inquiry that other lenders can't see and that doesn't change your score. A hard inquiry may occur only at final approval, depending on the lending partner and your state — and you're told first.
After you e-sign, funds are sent by direct deposit as soon as the next business day. Signing late on a Friday or before a holiday can add a business day.
You can pay the loan off in full at any time with no prepayment penalty. If you repay quickly, the interest cost is minimal. Contact support promptly if you want to cancel.
Enter the personal invitation code printed on the letter at the address on the letter (myintegracredit.com) to pre-fill part of the form. The code isn't required — you can apply normally without it.
Soft inquiry, no fees, no obligation. See your amount, APR and schedule before you decide.