How Integra Credit Works

Get funded in 3 simple steps

1

Complete Your Application

Fill out our simple online application in just 5 minutes. You'll need to provide:

Personal information (name, address, SSN)
Employment and income details
Bank account information
Desired loan amount

No hard credit check – checking your rate won't impact your credit score.

2

Get Your Decision

Receive an instant decision on your application. If approved, you'll see:

Your approved loan amount
Interest rate (APR)
Payment schedule and amounts
Total cost of the loan

Review the terms carefully. You're under no obligation to accept.

3

Receive Your Funds

Once you accept the loan offer:

Sign your loan agreement electronically
Funds deposited directly to your bank account
Receive money as early as next business day
Access your account portal anytime

Most customers receive funds within 24 hours of acceptance.

Eligibility Requirements

What you need to qualify for an Integra Credit loan

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18+ Years Old

You must be at least 18 years of age to apply.

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US Resident

Must be a resident of an eligible state.

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Steady Income

Regular income from employment or benefits.

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Bank Account

Active checking account for deposits.

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Valid Contact

Working email address and phone number.

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SSN Required

Valid Social Security Number.

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No minimum credit score required! Integra Credit specializes in helping people with bad credit or limited credit history.

Integra Credit Loan Details

Understanding your loan terms

$500-$3,000

Loan Amounts

99%-299%

APR Range

6-24 Months

Repayment Terms

Bi-Weekly

Payment Frequency

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Important: Integra Credit loans are a high-cost form of credit. APRs are significantly higher than traditional bank loans. Consider this option only for emergencies and aim to pay off the loan as quickly as possible.

Ready to Apply?

Check your rate in minutes. No obligation, no impact on your credit score.

Start Application →