Integra Credit was founded in 2014 with a simple but powerful mission: to provide access to fair and transparent credit for people who have been underserved by traditional financial institutions. We saw a gap in the market—millions of Americans with less-than-perfect credit were being forced into predatory lending situations with payday loans and other high-cost, short-term products that trapped them in cycles of debt.
We believed there had to be a better way. A way to provide access to credit that was fair, transparent, and designed to help borrowers succeed rather than fail. So we built Integra Credit on principles of responsible lending, complete transparency, and genuine customer service.
"We don't just look at credit scores—we look at the whole person. Everyone deserves a second chance, and we're here to provide it with dignity and respect."
Over the past 11 years, we've helped more than 100,000 customers access the funds they needed for emergencies, debt consolidation, home repairs, medical bills, and countless other legitimate financial needs. Along the way, we've maintained an A+ rating with the Better Business Bureau and built a reputation for treating customers fairly and operating with complete transparency.
Today, we operate in 26 states across the United States, partnering with federally regulated banks to provide personal installment loans ranging from $500 to $3,000. Unlike Online lenders, we report to credit bureaus, helping our customers build or rebuild their credit with responsible borrowing and on-time payments.
But our work isn't finished. We continue to advocate for fair lending practices, educate consumers about responsible borrowing, and work to expand access to credit for underserved communities. Because at Integra Credit, we believe everyone deserves access to fair financial services—not just those with perfect credit.