Frequently Asked Questions

The application process is designed to be quick and efficient. Here's the typical timeline:

• Application Form: 5-10 minutes to complete
• Approval Decision: Usually within minutes, up to a few hours
• Document Review: 5-10 minutes to review and sign
• Funding: As soon as the next business day

Most customers complete the entire process from application to funding within 24 hours.

You can complete the entire process 100% online from any device with internet access. We don't have physical branches—everything is handled through our secure website and customer service phone line.

This online-only approach allows us to process applications faster and keep costs lower, which benefits our customers.

Most applications can be completed with just the information you provide in the form. In some cases, we may request additional documentation such as:

• Proof of identity (driver's license, passport, or state ID)
• Proof of income (recent pay stubs or bank statements)
• Proof of residence (utility bill or lease agreement)
• Bank account information (voided check or bank statement)

We'll let you know immediately if any additional documents are needed.

Yes! If you need to step away during the application process, your information will be automatically saved for a limited time (usually 24-48 hours). You can return using the same device and browser to complete your application.

For the best experience and fastest processing, we recommend completing the application in one sitting when you have all necessary information available.

No. Checking your eligibility involves only a soft credit inquiry, which does not impact your credit score and is not visible to other lenders.

However, if you choose to accept a loan offer and complete the full application, we will perform a hard credit inquiry, which may have a minimal temporary impact on your credit score (typically less than 5 points for most borrowers).

There is no minimum credit score requirement. We specialize in working with borrowers who have less-than-perfect credit, including those with bad credit, limited credit history, or past bankruptcies.

Instead of focusing solely on your credit score, we evaluate your complete financial picture including income, employment stability, and your ability to repay the loan.

Yes, we consider applications from people who have filed for bankruptcy. While bankruptcy does factor into our decision, it's not an automatic disqualification.

We'll look at factors such as:

• When the bankruptcy was discharged
• Your current income and employment
• Your current debt obligations
• Your credit behavior since the bankruptcy

Many of our customers have successfully obtained loans after bankruptcy.

You need to have a verifiable source of regular income, but it doesn't have to be from traditional employment. We accept various income sources including:

• Employment wages or salary
• Self-employment income
• Social Security benefits
• Disability payments
• Retirement income
• Alimony or child support (if regular and verifiable)

The key is demonstrating that you have sufficient regular income to afford the loan payments.

We currently operate in 26 states across the United States:

Alabama, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin.

Unfortunately, if you live in a state not listed above, we cannot currently offer you a loan. State lending regulations vary significantly, and we only operate where we're fully licensed and compliant.

Our APR (Annual Percentage Rate) ranges from 135% to 399%, depending on several factors including your state of residence, credit profile, income, and the loan terms you select.

The APR includes both interest charges and any applicable fees, giving you a complete picture of the loan's cost. Your specific APR will be clearly disclosed before you sign any documents.

While these rates are higher than traditional bank loans, they're significantly lower than Online Loans and provide much longer repayment terms.

Absolutely not. We believe in complete transparency. All fees are clearly disclosed upfront before you sign anything. Common fees may include:

• Origination Fee: $0-$75 (varies by state and loan amount)
• Late Payment Fee: $15-$30 (only if payment is 10+ days late)
• Returned Payment Fee: $25-$35 (if payment cannot be processed)

We do NOT charge:

• Application fees
• Prepayment penalties
• Monthly maintenance fees

Yes! There are no prepayment penalties whatsoever. You can pay off your loan in full at any time and will only pay interest for the time you actually had the loan.

Paying off early can save you significant money on interest charges. We encourage responsible repayment and never penalize customers for paying early.

Our rates reflect the higher risk of lending to borrowers with challenged credit histories. Banks typically only approve borrowers with excellent credit, while we work with people who have been turned down elsewhere.

However, our rates are:

• Much lower than Online Loans (which can exceed 600% APR)
• Fully transparent with no hidden fees
• Accompanied by longer repayment terms (10-21 months vs 2-4 weeks)
• Designed to be affordable with bi-weekly payment options

Additionally, making on-time payments helps rebuild your credit, potentially qualifying you for better rates in the future.

Payments are automatically withdrawn from your bank account on scheduled payment dates. This automatic payment system ensures you never miss a payment and helps build your credit history.

You can also:

• Make additional payments anytime through your online account
• Call customer service to process a payment over the phone
• Set up automatic extra payments to pay off your loan faster

Bi-weekly payments mean you make payments every two weeks (26 times per year) instead of monthly (12 times per year). This schedule is designed to align with most people's pay schedules.

Example: If your total monthly payment would be $200, with bi-weekly payments you'd pay approximately $100 every two weeks.

Benefits:

• Easier budgeting when you're paid bi-weekly
• Smaller, more manageable payment amounts
• You make an extra monthly payment per year (which reduces interest)

We understand that unexpected situations arise. Here's what happens if you miss a payment:

• Days 1-10: Grace period with no late fee. We'll send reminders.
• After Day 10: A late fee may be charged (amount varies by state)
• After 30 days: The missed payment may be reported to credit bureaus

Important: If you're having trouble making a payment, contact us immediately. We have hardship programs and may be able to work out a solution before it affects your credit.

In some cases, we may be able to adjust your payment schedule. Contact our customer service team to discuss your situation. Changes are evaluated on a case-by-case basis and must comply with state lending regulations.

The best time to ensure your payment date works for you is before accepting the loan. Review the payment schedule carefully during the application process.

Yes! We report your payment history to major credit bureaus. This means:

• On-time payments help build or rebuild your credit
• Late payments may negatively impact your credit
• Your loan appears as an installment account on your credit report

Many customers see credit score improvements of 35-50 points over 12 months with consistent on-time payments.

Checking your eligibility uses a soft inquiry which does not affect your credit score.

If you accept a loan offer and complete the full application, we perform a hard inquiry which may temporarily lower your score by a few points (typically less than 5 points). This impact is usually minimal and temporary.

The benefit of building positive payment history over time far outweighs this minor initial impact.

An Integra Credit loan can help rebuild your credit through:

• Payment History: Making all payments on time (35% of your score)
• Credit Mix: Adding an installment loan to your credit profile
• Credit Age: Building positive account history over time
• Debt Management: Using the loan to consolidate higher-interest debt

The key is making every payment on time. Set up automatic payments to never miss a due date.

Yes. We use bank-level security measures to protect your information, including:

• 256-bit SSL encryption for all data transmission
• Secure servers with multiple layers of protection
• Regular security audits and updates
• Compliance with federal privacy regulations

Your data is never sold to third parties for marketing purposes.

Your information is shared only with:

• Our partner banks (CCBank and TAB Bank) who provide the loans
• Credit bureaus (to report your payment history)
• Service providers who help us operate (all under strict confidentiality agreements)
• Regulatory authorities as required by law

We never sell your information to marketers or unrelated third parties. See our Privacy Policy for complete details.

After your loan is funded, you'll receive login credentials to access your online account portal. Through this portal, you can:

• View your current balance and payment schedule
• Make additional payments
• View payment history
• Update contact information
• Download account statements

The portal is available 24/7 from any device with internet access.

We offer multiple ways to reach our customer service team:

• Phone: Call us during business hours (Monday-Friday, 8am-8pm ET)
• Email: Send us a message through your account portal or to our support email
• Online Account: Submit a support ticket through your online portal

We strive to respond to all inquiries within one business day.