Integra Credit Rates & Fees: Every Cost, Before You Sign
Three numbers decide what an Integra Credit loan costs — the APR, the term and how fast you pay it off. There's no origination fee and no prepayment penalty, so the rest is up to you. Here are the published rates for all 24 states.
What Integra Credit charges — and what it doesn't
Set by your state, credit profile, income and term. Bank-partner states publish 159%–249%; direct-lending states 149%–399%. Shown before you accept.
No application, processing or document fees. You receive the full approved amount by direct deposit.
Pay extra or pay off in full whenever you like. Interest stops accruing on what you've repaid.
Charged only if a payment is 10–15 days late, per state law — $15 in bank-partner states; $15 or 5% of the payment in most others.
A returned-payment (NSF) charge may apply if a debit bounces, as permitted in your state and disclosed in your agreement.
Every charge is listed in the Truth in Lending disclosure you see before signing. If it isn't there, it can't be charged.
What a loan actually costs — a receipt, not a formula
Move the sliders. The receipt uses the same amortization math as your loan agreement, so the totals match what you'd see on the signing screen.
The single biggest lever is time. The same loan paid off in six months instead of eighteen can cut the interest by more than half — and there is no penalty for doing it.
Open the full payment calculatorIntegra Credit — Cost of Credit
Integra Credit rates by state
Published ranges for each of the 24 states where Integra Credit lends. Your state also decides who originates the loan.
| State | Amount | APR | Term | Lender |
|---|---|---|---|---|
| Alabama | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Arizona | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Arkansas | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Delaware | $500 – $3,000 | 149% – 399% | 10 – 18 mo | Licensed Integra Credit entity |
| Florida | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Idaho | $500 – $3,000 | 149% – 399% | 10 – 18 mo | Licensed Integra Credit entity |
| Indiana | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Kansas | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Kentucky | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Louisiana | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Michigan | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Minnesota | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Mississippi | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Missouri | $500 – $3,000 | 149% – 399% | 10 – 18 mo | Licensed Integra Credit entity |
| Montana | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Nebraska | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| North Carolina | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Ohio | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Oklahoma | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| South Carolina | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Tennessee | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Texas | $500 – $3,000 | 159% – 249% | 12 – 21 mo | TAB Bank / Quill Bank |
| Utah | $500 – $3,000 | 149% – 399% | 10 – 18 mo | Licensed Integra Credit entity |
| Wisconsin | $500 – $3,000 | 149% – 399% | 10 – 18 mo | Licensed Integra Credit entity |
Five factors that set your APR
Your state fixes the range; your profile decides where in it you land. Income stability and bank history carry more weight than the score itself.
What you need to qualifyRates & fees — FAQ
What is the interest rate on an Integra Credit loan?
Integra Credit APRs range from 149% to 399%. In states where loans are made by TAB Bank or Quill Bank the published range is 159%–249%; in states served by a licensed Integra Credit company it is 149%–399%. Your exact rate depends on your state, income, credit profile and loan term, and is shown before you sign.
Does Integra Credit charge an origination fee?
No. There is no origination, application or processing fee. The amount you are approved for is the amount deposited into your account.
Is there a prepayment penalty?
No. You can pay extra or pay the loan off in full at any time. Because interest accrues over time, paying early reduces the total interest you pay.
What is the late fee?
Late fees are set by state law and shown in your loan agreement. In bank-partner states it is $15 if a payment is not made within 10 days of the due date. In direct-lending states it is typically $15 or 5% of the unpaid payment, with a 10–15 day grace period and a cap in some states.
Why is the APR so much higher than a bank loan?
Integra Credit lends to borrowers with poor or thin credit that banks decline, on short terms and small amounts, without collateral. That risk is priced into the APR. The loan is designed for short-term needs you can repay quickly — paying off early cuts the cost substantially.
How much does a $1,500 loan cost?
At 187% APR over 19 months — the example rate published for bank-partner states — a $1,500 loan costs about $259 a month and roughly $3,430 in interest if you keep it the full term. Pay it off in 6 months instead and the interest drops to around $900. Use the calculator on this page for your own numbers.
See your exact rate — no obligation
A soft inquiry shows your amount, APR and payment schedule. Accept only if the numbers work for you.