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Integra Credit Personal Loan Review

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Integra Credit offers personal loans with interest rates that reach well above 100% APR. Its loans may be a good option for bad credit borrowers who need quick access to funds and who have no other options. Click below to learn more in this Integra Credit review.

Integra Credit personal loan highlights

  • Small loans available: The exact amount you can borrow varies by state, but Integra Credit allows borrowers to take out loans as small as $500 or as high as $3,000.
  • Fast approval and funding: Integra Credit prides itself on a short application process, along with nearly instantaneous funding decisions. If you’re approved, Integra Credit will fund your loan as soon as the next business day.
  • Poor credit accepted: Integra credit accepts borrowers with a poor credit history. It doesn’t specify a minimum credit score, but it emphasizes that it uses criteria outside of credit scores as a part of its application process.
  • Expensive form of credit: Integra Credit states that it offers an expensive form of credit. Borrowers should understand the risks and costs of borrowing at high interest rates.

Integra Credit at a glance

  • APR range: 99.99% – 399.99%
  • Minimum credit score: Not specified
  • Terms: 6 to 24 months
  • Origination fee: Not specified

By clicking “See Offers,” you may or may not be matched with any lender mentioned in this article. Based on your creditworthiness, you may be matched with up to five different lenders in our partner network.

Terms Fees and penalties
  • Terms: 6 to 24 months*
  • APR: 99.99% – 399.99%*; South Carolina residents are no longer offered personal loans.
  • Loan amounts: $500 – $3,000*
  • Time to funding: 1 business day
  • Credit check: Soft Pull
  • Origination fee: Not specified
  • Prepayment fee: None
  • Late payment fee: Varies by state
* Varies by state. You can check Integra Credit’s Rates and Terms page for more information about terms in your state.

Eligibility requirements

  • Minimum credit score: No minimum specified but Integra Credit claims it considers more than your credit score when reviewing your application.
  • Minimum credit history: Not specified.
  • Maximum debt-to-income ratio: Not specified.

The main borrowing requirements are that you must be 18 years old, have a valid bank account and be a resident of the United States. You may be required to show proof of income (such as a pay stub) to prove you can repay the loan.

Integra Credit’s products are available in the following states:

  • Alabama
  • Delaware
  • Idaho
  • Kansas (line of credit only)
  • Mississippi
  • Missouri
  • New Mexico
  • South Carolina (line of credit only)
  • Tennessee (line of credit only)
  • Utah
  • Wisconsin

What borrowers are saying about Integra Credit

Integra Credit’s borrowers had overwhelmingly positive experiences with the company, in spite of the expensive cost of credit. Across 26 reviews, the lender scored 4.6 out of 5 stars, as of September 2019.

Kimberly of Salt Lake City wrote, “Instant approval! Even with my current horrible credit score. Helps if you can pay the loan off faster, if possible.”

With fast approvals and fast funding, borrowers were consistently impressed with the ease of borrowing money. One of the drawbacks mentioned was the timing of payments. Timothy of Beufort, S.C. wrote, “I give a 4 star rating only because of the no-weekly payments. They withdraw from your account automatically on every pay period.”

Applying for a personal loan from Integra Credit

To apply for a loan from Integra Credit, you’ll fill out a simple online application. You’ll have to supply details such as your name, Social Security number and home address. Integra Credit will use these details to check your credit report. It may seem odd for Integra Credit to check your credit history. However, understanding a borrower’s current debts and payment history is important even for lenders that specialize in subprime lending.

In addition to authorizing Integra Credit to review your credit, you’ll need to supply information about your income. This includes uploading a recent pay stub or another document to verify income.

After you’ve completed the application, Integra Credit will issue a loan decision. For accepted borrowers, the loan can be funded as soon as the next business day.

Pros Cons
  • Soft credit inquiry: Applying for a loan won’t hurt your credit score.
  • Bad credit accepted: Borrowers may qualify even if they have been turned down by other lenders.
  • Next day funding: When you accept a loan offer, Integra Credit can fund it as soon as the next business day.
  • Expensive form of credit: The APR on Integra Credit’s loans extends to 399.99%. This is a type of credit you want to avoid if possible.
  • Not available in all states: Personal loans from Integra Credit are available in 9 states.
  • Shorter repayment periods: Loan terms range from 6 to 24 months. Other lenders offer repayment periods up to 60 months or even longer.

Who’s the best fit for an Integra Credit personal loan?

For many borrowers, it makes sense to use personal loans to pay for an unexpected expense, to consolidate high interest debt or to fund a major purchase. But personal loans from Integra Credit come with exceptionally high rates and fees, meaning you’d only want to borrow from this lender if you have no other options.

Integra Credit’s personal loan is also only available in nine states, so many borrowers won’t be eligible. If you’d like to borrow from this lender, you’ll need a plan to quickly repay your debt — repayment terms are short and you should do your best to minimize your cost of borrowing.

Alternative personal loan options


  • APR: 9.99% – 35.99%
  • Minimum credit score: 585
  • Terms: 24 to 60 months
  • Origination fee: 0.00% - 6.00%

Even if your credit score is below 600, LendingPoint may be willing to work with you. The lender offers personal loans to borrowers with credit scores as low as 585. Its maximum interest rate is 35.99% APR, making it a much more affordable option compared with Integra Credit.

You won’t sacrifice speed when you borrow through LendingPoint, either. LendingPoint’s borrowers may see loans funded the next business day.


  • APR: 5.99% – 29.99%
  • Minimum credit score: 600
  • Terms: 36 or 60 months
  • Origination fee: 1.00% - 5.00%

Peerform is a peer-to-peer lending marketplace. Borrowers can apply for anywhere from $4,000 to $25,000, and investors can choose whether to fund the loan. Interest rates are modest, making this marketplace a viable alternative to Integra Credit for borrowers with OK credit. The drawback to Peerform is the speed of funding. You’ll only receive funding if investors choose to buy into your loan. In some cases, that could take a long time.

OneMain Financial

  • APR: 18.00% – 35.99%
  • Minimum credit score: Not specified
  • Terms: 24 to 60 months
  • Origination fee: 1.00% - 10.00%

OneMain Financial’s loans are far less expensive than Integra Credit’s loans. Its rates max out at 35.99% APR. But what you save in money, may end up costing you in time. OneMain Financial isn’t an online lender. Borrowers can start a personal loan application online, but they have to meet with a loan specialist before getting funding. Despite the longer timeline, the interest rates savings make OneMain Financial a lender worth considering depending on your credit.


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