Integra Credit Requirements: Do You Qualify?
No published minimum credit score, a soft-pull application, and six plain-language requirements. Tick the boxes to see how ready you are — then apply in about five minutes.
What you need to qualify for an Integra Credit loan
Integra Credit is built for borrowers that banks turn away, so the list is short. Here is each requirement and why it matters.
Be of legal age
At least 18 in most states; 19 in Alabama and Nebraska, where the age of contract is higher.
RequiredLive in a serviced state
Integra Credit lends in 24 states. Your address decides the lender, the amount range and the APR you're offered.
Required · check your stateHave regular income
Employment, self-employment, benefits, Social Security or retirement income all qualify. No minimum figure is published; offers are sized to what you can repay.
RequiredHold an active checking account
In your name, used for direct deposit and automatic payments. Savings accounts and prepaid cards don't qualify.
RequiredVerify your identity
A Social Security number and a valid government ID. Verification is done electronically — you rarely need to upload documents.
RequiredProvide working contact details
An email address, phone number and current home address so your account, agreement and payment reminders reach you.
RequiredThere's no minimum credit score — here's what matters instead
Integra Credit's underwriting weighs alternative data — income stability, banking history and your record with other lenders — alongside your credit file. Borrowers with scores in the 500s are approved routinely. A stronger profile mainly changes the amount and APR you're offered, not whether you can apply.
How your offer is pricedWhat to have ready
The application takes about five minutes when these are at hand. Most details are verified electronically.
Does applying affect my credit?
Checking your rate starts with a soft inquiry, which is not visible to other lenders and does not change your score. If you accept an offer, a hard inquiry may be recorded at final approval depending on the lending partner and your state — the application tells you before that happens.
Once your loan is open, on-time payments are reported to the major credit bureaus, which can help build your credit over time. How payments are reported.
Common reasons Integra Credit applications are declined
Most declines come down to one of a few fixable issues. Resolve it and you can usually reapply.
Why applications get declined
- Living in a state where Integra Credit doesn't lend
- Income that couldn't be verified electronically
- A checking account that is very new, overdrawn or not in your name
- An open bankruptcy or an active Integra Credit loan that's behind
- Identity details that didn't match bureau or bank records
What usually fixes it
- Confirm your address is in a serviced state and spelled exactly as on your ID
- Apply with the account your income is deposited into
- Keep the account positive for a few weeks before reapplying
- Bring an existing loan current, then request additional credit
- If it's about cost rather than approval, compare alternatives
Loans are available in 24 states
Your state sets the lender, the maximum amount and the APR range. Texas, Florida, Ohio, Michigan and Utah are among the largest markets — see the full list and each state's terms.
Integra Credit requirements — FAQ
What credit score do you need for Integra Credit?
Integra Credit does not publish a minimum credit score. Underwriting uses alternative data and proprietary models alongside your credit history, so applicants with scores in the 500s — and people with thin or limited files — are regularly approved. A higher score may improve your offered amount and APR.
Does Integra Credit check your credit?
Yes, but the initial application is typically a soft inquiry that does not affect your score. A hard inquiry may occur at final approval depending on the lending partner and your state. The application tells you before any hard pull.
Is there a minimum income for Integra Credit?
No fixed figure is published. You need regular income you can document — employment, self-employment, government benefits, Social Security or retirement income all count. The amount you are offered is sized to your income and existing obligations.
Can I apply with a savings account or prepaid card?
No. You need an active checking account in your name. It is used both to deposit your funds and to collect payments by electronic debit.
Can I apply if I already have an Integra Credit loan?
Existing customers who are in good standing can often request additional credit after making several on-time payments. Repeat borrowers report that the re-application takes only a few minutes because your details are already on file.
Why was my Integra Credit application declined?
Common reasons include living in a non-serviced state, income that cannot be verified, a checking account that is new or overdrawn, an open bankruptcy, or a recent Integra Credit loan that is behind on payments. You can usually reapply after the issue is resolved.
Meet the requirements? See your rate in minutes
Soft inquiry to check your rate. No origination fee, no prepayment penalty, funds as soon as the next business day.