Integra Credit Line of Credit: Borrow, Repay, Borrow Again — Up to $3,000
A revolving credit limit you can draw from whenever you need it. Pay interest only on what you use, make at least the minimum each cycle, and your available credit comes back as you repay. No origination fee, no prepayment penalty.
Four steps that repeat for as long as you need
Three ways borrowers use the line
The buffer
Approved for $2,000, draws $300 when a utility bill lands early, repays it over two cycles. Balance back to zero; full limit available.
The repair
Draws $1,400 for a transmission, pays $250 a month. After three months, $700 is available again without reapplying.
The one-time need
Needs exactly $2,500 once and wants a fixed payoff date. Better served by the installment loan — fixed APR, fixed schedule.
Line-of-credit products are offered in a subset of Integra Credit states and are being phased out in some. Your application confirms what's available for your address; where the line isn't offered you'll be shown the installment loan instead. Check your state.
No origination fee. No prepayment penalty. Credit reported.
Interest accrues only on what you've drawn, and paying it down early always costs less. On-time payments are reported to the major credit bureaus.
Line of credit — FAQ
How does the Integra Credit line of credit work?
You are approved for a credit limit of up to $3,000. Draw any amount up to the limit whenever you need it, pay interest and fees only on your outstanding balance, make at least the minimum payment each billing cycle, and your available credit refills as you repay — no new application required.
What is the credit limit?
Up to $3,000, depending on your state, income and credit profile. Limits can be reviewed over time as you build a payment history.
Is the line of credit available in my state?
Line-of-credit products are offered in a subset of the states Integra Credit serves and are being phased out in some. Availability is confirmed during your application based on your state of residence; where it isn't offered, you will be shown the installment loan instead.
Do I pay interest on the whole limit?
No. You pay only on the amount you have actually drawn, for the days it is outstanding. If your balance is zero, you owe nothing.
What is the minimum payment?
A percentage of your balance plus accrued charges each cycle, as set out in your agreement. Paying more than the minimum clears the balance faster and reduces total cost — there is no prepayment penalty.
Line of credit or installment loan?
A line of credit suits ongoing or unpredictable needs and repeat access. An installment loan suits a single known expense you want on a fixed payoff schedule.
See if the line of credit is available for you
One short application shows which product your state and profile qualify for. Soft inquiry only.