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Integra Credit Invitation Code: Where It Is and How to Use It

Received a pre-selected loan offer from Integra Credit? The personal invitation code is printed on the letter — not hidden in the QR code. Here's exactly where to look, what the offer means, and the four steps from letter to funded loan.

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Anatomy of the letter

Where to find your Integra Credit invitation code

Every Integra Credit mail offer follows the same layout. Match the numbers on the sample letter to the notes beside it.

Integra Credit120 S. LaSalle St., Suite 1600
Chicago, IL 60603

Jordan Reyes
4821 Maple Ridge Dr
Columbus, OH 43215

You've been pre-selected for a personal loan.

Based on information in your credit report, you meet our initial criteria for an installment loan. Respond by the date below to see your personalized offer.

Pre-selected amountup to $3,0001

Personal invitation code7K4Q-2M9X

myintegracredit.com

Respond by November 30, 2026.5

This is an invitation to apply, not a guarantee of credit. Loans are originated by TAB Bank or Quill Bank, or a licensed Integra Credit company depending on your state, and serviced by Deinde Financial, LLC. This is an expensive form of credit.

Pre-selected amountThe maximum you're invited to apply for — commonly up to $3,000. Your final offer can be lower and depends on the full application.

Personal invitation codePrinted just below the amount box. This is the code the website asks for. It identifies your prescreened offer and pre-fills part of the form.

QR codeOpens the offer portal, but it does not carry your invitation code. After scanning you still type the code in by hand.

Website addressType the URL from your letter directly into the browser. Mail offers use myintegracredit.com, which opens the official portal on app.integracredit.com.

Respond-by dateAfter this date the code may stop working. You can still apply normally — the code just makes the form faster.

From letter to funded loan

How to use your invitation code

Go to the website printed on the letter

Type myintegracredit.com into your browser. Don't search for it — sponsored results and look-alike sites can appear above the real one.

Enter your invitation code

Type the code exactly as printed, then confirm the identifying details the form asks for, such as your last name and ZIP code.

Complete the short application

Confirm your income, bank account and contact details. Most applicants see a decision within minutes. What you'll need to qualify.

Review your offer, then e-sign

Check the amount, APR, payment schedule and total cost — they may differ from the letter. Sign electronically and funds are sent by direct deposit, often the next business day.

See the full application walkthrough

Spot a genuine offer

Is the Integra Credit letter real?

Prescreened offers are legitimate marketing, but imitation letters exist. Check these before you enter any information.

Signs the letter is genuine

Directs you to myintegracredit.com or app.integracredit.com — nowhere else
Names TAB Bank, Quill Bank or a licensed Integra Credit company as lender, and Deinde Financial, LLC as servicer
Includes a prescreen opt-out notice (required by federal law)
States the amount is "up to" a figure and that final terms depend on your application
Never asks for a fee, gift card or payment before funding

Red flags

Asks you to pay a "processing", "insurance" or "release" fee up front
Promises a guaranteed amount with no application
Sends you to a different domain, a text-message link or a social-media page
Pressures you to act within hours or threatens consequences
Asks for your full bank login password rather than account and routing numbers

Not expecting offers? You can opt out of prescreened credit offers from all major bureaus at OptOutPrescreen.com. Read more about how we verified Integra Credit is legitimate.

No letter? No problem

You don't need an invitation code to apply

The code only pre-fills part of the form. Anyone in a state where Integra Credit lends can apply online in about five minutes — same underwriting, same $0 origination fee, same next-business-day funding.

Check your rate Check your state

Common questions

Invitation code FAQ

Where is my Integra Credit invitation code?

The personal invitation code is printed on the letter itself — typically directly below the offer-amount box and near the QR code and the website address. It is not embedded in the QR code, so after scanning you still need to type the code in by hand.

What website do I use for the Integra Credit mail offer?

Use the address printed on your letter. Integra Credit mail offers direct you to myintegracredit.com, which opens the offer portal on app.integracredit.com. Avoid searching for the site name and clicking ads — type the URL from the letter.

Does "pre-approved" mean I am guaranteed the loan?

No. A pre-approved or pre-selected letter means you passed an initial prescreen based on credit-bureau data. You still complete a full application, and the final amount, APR and term can differ from the letter. Some applicants are not approved after the full review.

Can I cash the check in the letter?

There is no cashable check. The amount shown is an invitation to apply for up to that figure. Any funds you receive are sent by direct deposit after you are approved and sign your agreement.

What if my invitation code expired or I lost the letter?

You can still apply the normal way on the website — the invitation code only speeds up the form by pre-filling your details. Your rate and amount are determined by the same underwriting either way.

How do I stop receiving Integra Credit letters?

Prescreened offers are based on credit-bureau lists. You can opt out of prescreened credit offers through the official OptOutPrescreen.com service, which covers all major bureaus, for five years or permanently.

Ready to see your offer?

Enter your code at the address on your letter, or apply without one. Checking your rate doesn't affect your credit score.

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