What is Integra Credit?
Integra Credit is a trusted online lending platform that has been helping Americans with bad credit access personal loans since 2014. Based in Chicago, Illinois, Integra Credit serves customers across 26 states through partnerships with FDIC-insured banks, Capital Community Bank (CCBank) and Transportation Alliance Bank (TAB Bank).
Unlike traditional banks that often reject applicants with less-than-perfect credit, Integra Credit takes a more holistic approach to lending. We look beyond just your credit score to assess your overall financial situation, including your income and ability to repay.
Why Customers Choose Integra Credit
Over 100,000 Americans have trusted Integra Credit for their personal loan needs. Here's what makes us different:
✅ Integra Credit Advantages
- BBB A+ Accredited: Integra Credit has maintained an A+ rating with the Better Business Bureau since 2018
- Transparent Pricing: All rates, fees, and terms disclosed before you sign
- Credit Building: Integra Credit reports to major credit bureaus, helping you build credit
- Fast Funding: Get your money as fast as the next business day
- Soft Credit Check: Check eligibility without impacting your credit score
- Hardship Programs: Flexible options if you face temporary financial difficulties
Integra Credit Loan Details
When you apply with Integra Credit, you can borrow between $500 and $5,000 with repayment terms ranging from 6 to 24 months. Our installment loan structure means you'll have predictable payments that fit your budget.
Integra Credit Loan Overview
Loan Amounts: $500 - $5,000
Loan Terms: 6 - 24 months
APR Range: 59% - 199% (varies by state and creditworthiness)
Application Time: Approximately 5 minutes
Funding Speed: As fast as next business day
How Integra Credit Helps Build Credit
One of the most valuable benefits of an Integra Credit loan is the opportunity to build or rebuild your credit score. Unlike payday lenders who typically don't report to credit bureaus, Integra Credit reports your payment history to Equifax, Experian, and TransUnion.
This means that every on-time payment you make with Integra Credit can help improve your credit score over time. Many of our customers have seen significant credit score improvements after successfully completing their loan repayment.
Integra Credit Application Process
Applying for a loan with Integra Credit is simple and straightforward:
- Check Your Rate: Complete a quick online form on the Integra Credit website
- Get Your Decision: Receive an instant decision without affecting your credit score
- Review Terms: See your personalized rate and loan terms from Integra Credit
- Get Funded: Accept your loan and receive funds as fast as the next business day
💡 Integra Credit Customer Tip
- Have your bank account information ready when you apply
- Verify your income documentation is current
- Consider setting up autopay to never miss a payment
- Contact Integra Credit customer service if you have questions
Integra Credit Reviews and Reputation
Integra Credit maintains a 4.2 out of 5 star rating on Trustpilot based on nearly 3,000 customer reviews. Customers frequently praise our transparent terms, helpful customer service, and fast funding process.
Is Integra Credit Right for You?
Integra Credit may be a good choice if you:
- Have bad or limited credit and need access to funds
- Want to build credit with on-time payments reported to bureaus
- Need a predictable payment schedule that fits your budget
- Value transparency and want to know all costs upfront
- Live in one of the 26 states where Integra Credit operates
Ready to Get Started with Integra Credit?
Check your eligibility in minutes without affecting your credit score. Apply now →
