Integra Credit States: Where You Can Borrow and on What Terms
Integra Credit lends in 24 states. Your state decides three things — who originates the loan, the amount and APR range, and the late-fee rules. Pick your state for the local fact sheet.
Choose your state
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Alaska California Colorado Connecticut Georgia Hawaii Illinois Iowa Maine Maryland Massachusetts Nevada New Hampshire New Jersey New Mexico New York North Dakota Oregon Pennsylvania Rhode Island South Dakota Vermont Virginia Washington West Virginia Wyoming
Live in one of these? See lenders that serve your state.
Why the terms change at the state line
Bank-partner states (19)
Loans originated by TAB Bank or Quill Bank — FDIC-insured, Utah-chartered — and serviced by Deinde Financial. Published terms: $500–$3,000, 159%–249% APR, 12–21 months, $15 late fee after 10 days.
What never changes by state
$0 origination fee, no prepayment penalty, funds by direct deposit as soon as the next business day, and on-time payments reported to the credit bureaus — in all 24 states.
States — FAQ
What states does Integra Credit operate in?
Integra Credit currently lends in 24 states: Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah and Wisconsin.
Why does the lender change by state?
In 19 states loans are originated by FDIC-insured partner banks, TAB Bank or Quill Bank, under bank lending rules. In Delaware, Idaho, Missouri, Utah and Wisconsin a licensed Integra Credit company lends directly under that state's consumer-credit law. Deinde Financial, LLC services every loan.
Is Integra Credit available in California, New York or Illinois?
No. Integra Credit does not currently offer loans in those states. Availability changes over time, so check back — or see our list of alternatives that serve your state.
Do rates differ by state?
Yes. Bank-partner states publish an APR range of 159%–249% with terms of 12–21 months; direct-lending states publish 149%–399% with terms of 10–18 months. Late-fee rules also follow state law.
Live in one of the 24? Check your rate
Your state's lender, amount and APR are shown on screen before you decide. Soft inquiry only.