Everything you need to know about Integra Credit
Integra Credit is an online lender that provides personal loans ranging from $500 to $3,000 to individuals with less-than-perfect credit. They specialize in helping borrowers who may have been turned down by traditional banks. The company has been operating since 2018 and holds an A+ rating with the Better Business Bureau.
Yes, Integra Credit is a legitimate lender. They are accredited by the Better Business Bureau (BBB) with an A+ rating and have over 2,900 reviews on Trustpilot with a 4-star rating. However, "legitimate" doesn't mean "affordable" – their interest rates are high.
Integra Credit is currently available in 24 states: Alabama, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, Nevada, New Mexico, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and Wyoming.
Integra Credit does not require a minimum credit score. They specialize in lending to people with bad credit, poor credit, or limited credit history. Even if you have a bankruptcy on your record, you may still qualify.
No, Integra Credit performs a soft credit inquiry during the initial application, which does not affect your credit score. A hard inquiry only occurs if you accept the loan offer.
Integra Credit's APR ranges from approximately 99% to 299%, depending on your state and creditworthiness. This is a high-cost form of credit designed for emergency situations.
Yes! Integra Credit has no prepayment penalty. You can pay off your loan early at any time without additional fees. This is strongly recommended to save on interest.
Once approved and you accept the loan terms, funds are typically deposited into your bank account as soon as the next business day. Some customers receive funds within 24 hours.
You can reach Integra Credit customer service by calling (855) 345-5550 Monday through Friday during business hours.