Integra Credit Installment Loans: $200–$5,000, Paid Back on a Schedule You Can See
One lump sum, one fixed rate, equal monthly payments over 10–21 months. No origination fee, no prepayment penalty — and every payment date is printed on your agreement before you sign.
Every payment is the same — what changes is what it buys
Each monthly payment covers that month's interest first, then principal. Early on, more goes to interest; by the end, almost all of it clears the balance. That's why paying extra early saves the most.
The chart shows a $1,500 loan at 187% APR over 12 months. Purple is the share of each payment that reduces your balance; dark is interest. Pay it off at month 6 and you skip the interest in months 7–12 entirely.
Payments, autopay and early payoffPrincipal vs. interest, month by month
Built for one-time expenses with a known price tag
Installment loan vs. line of credit vs. payday loan
Integra Credit installment loan
Line of credit · Payday loan
No minimum credit score to apply
Underwriting looks at income and banking history, not just the score. Borrowers in the 500s are approved routinely — a stronger profile mainly improves the amount and rate.
Installment loans — FAQ
What is an Integra Credit installment loan?
A personal loan for a fixed amount — $200 to $5,000 depending on your state and profile — repaid in equal monthly payments over a set term of 10 to 21 months. The rate is fixed, the schedule is set at signing, and there is no origination fee or prepayment penalty.
How much can I borrow?
Integra Credit products range from $200 to $5,000. Published state ranges for installment loans are $500 to $3,000; the amount you are offered depends on your income, existing obligations and state. First-time borrowers often start lower and can request more after on-time payments.
What can I use the loan for?
Any personal expense: car repairs, medical or dental bills, moving costs, utility catch-up, debt consolidation of higher-cost balances, or an emergency. The funds are deposited to your checking account and are yours to use.
How is this different from a payday loan?
A payday loan is due in full on your next payday, usually in two to four weeks. An installment loan spreads repayment over months in equal payments, reports to the credit bureaus, and lets you pay off early without a penalty — which makes the total cost far more controllable.
Can I get a second installment loan?
Existing customers in good standing can often request additional credit once they have made several on-time payments. Repeat applications are quick because your details are already on file.
Installment loan or line of credit — which should I pick?
Choose an installment loan for a known, one-time expense you want to clear on a fixed schedule. Choose the line of credit if you need ongoing or unpredictable access to funds and want to re-borrow as you repay.
Know your payment before you borrow
Check your rate with a soft inquiry and see the full schedule on screen. Accept only if it fits.