Is Integra Credit Legit? Yes — here's the evidence.
We checked the company behind the brand, the banks that fund the loans, the licenses, the ratings and the security. Below is everything we verified, plus how to spot the imitation letters and texts that use the Integra Credit name.
Eight things we verified about Integra Credit
Each item below was checked against the lender's own disclosures, its bank partners and third-party records.
The three parties behind every Integra Credit loan
A legitimate bank-partnership model: the lender depends on your state, and one servicer handles your loan from application to final payment.
Originating bank
TAB Bank or Quill Bank — FDIC-insured, Utah-chartered — originate loans in partner states.
Partner-bank statesLicensed Integra Credit entity
In other states, a state-licensed Integra Credit company lends directly under local consumer-credit law.
Direct-lending statesServicer
Deinde Financial, LLC d/b/a Integra Credit services every loan: your account, payments and support.
All statesReal Integra Credit vs. scams using its name
Scammers borrow the names of real lenders. The genuine company behaves in specific ways — anything else is a warning sign.
The real Integra Credit
- Applications only on integracredit.com / app.integracredit.com; mail offers via myintegracredit.com
- Never charges a fee before funding — $0 origination, no "processing" or "insurance" payments
- Shows the APR, payment dates and total cost before you e-sign
- Funds by direct deposit to your checking account only
- Names its lender and servicer on every document
Not Integra Credit
- Asks for gift cards, wire transfers or crypto to "release" your loan
- Guarantees approval with no application or credit review
- Contacts you from a personal email, messaging app or social-media account
- Asks for your online-banking password instead of account and routing numbers
- Pressures you to act within hours or threatens arrest
Legit doesn't mean cheap
Integra Credit prices the risk of lending to borrowers with poor credit into APRs of roughly 149%–399%. That's lawful and fully disclosed — and it's why the loan fits short-term needs you can repay quickly, not long-term borrowing.
What the complaint record shows
High-APR online lenders attract complaints, and Integra Credit is no exception. Reviewing the BBB profile and public consumer complaints, the recurring themes are the cost of the loan, occasional automatic-payment issues after a bank change, and terms some borrowers found confusing. We found no finding that the company's lending model is unlawful in the states where it operates.
Before borrowing, you can confirm the current licensing status with your state's financial regulator and read the lender's state-specific rates page. If you have a dispute, Integra Credit responds to BBB complaints publicly, and you can also file with the Consumer Financial Protection Bureau.
Read the full review breakdownIs Integra Credit legit — FAQ
Is Integra Credit a legitimate lender?
Yes. Integra Credit is the brand of Deinde Financial, LLC, a Chicago-based company. Depending on your state, loans are originated by FDIC-insured partner banks — TAB Bank and Quill Bank — or by a state-licensed Integra Credit entity, and serviced by Deinde Financial. It holds a BBB A+ rating and a 4.7/5 TrustScore across 3,120 reviews.
Is Integra Credit a scam?
No. A scam lender asks for money up front, guarantees approval or hides its pricing. Integra Credit charges no origination fee, shows the full APR and payment schedule before you sign, and funds by direct deposit. Scammers do sometimes imitate real lenders by mail or text — the checklist on this page shows how to tell the difference.
Has Integra Credit been sued or fined?
Like most high-APR online lenders, Integra Credit draws complaints and regulatory scrutiny over the cost of its loans, and consumer complaints are filed with the BBB and the CFPB. We found no finding that its lending model is unlawful in the states where it operates. Check your state regulator's website for the current licensing status before you borrow.
Why is the APR so high if it's legitimate?
Integra Credit lends to borrowers with poor or thin credit that banks decline, and prices that risk into the APR — roughly 149% to 399% depending on state and profile. High cost is not the same as illegitimate, but it does mean the loan suits short-term needs you can repay quickly.
Is my personal and banking information safe?
The application runs over an encrypted (SSL) connection and your bank account is verified electronically. Integra Credit never asks for your online-banking password by email or text, and never asks for a fee before funding. If you receive such a request, it is not from Integra Credit.
How can I confirm an offer or website is really Integra Credit?
Genuine applications happen on integracredit.com or app.integracredit.com; mail offers use myintegracredit.com. Letters name TAB Bank, Quill Bank or a licensed Integra Credit company as the lender and Deinde Financial, LLC as servicer, and include a prescreen opt-out notice. Anything that asks for payment up front is a red flag.
Verified lender. Transparent pricing. Your call.
Check your rate with a soft inquiry, see every cost before you sign, and decide with the facts in front of you.