How Integra Credit Works

Our application process is designed to be quick and straightforward while gathering the necessary information to make a lending decision. You can complete it from any device with an internet connection.

What You'll Need to Provide:

• Personal information (name, date of birth, Social Security number)
• Contact details (address, phone number, email)
• Employment information (employer name, income, pay frequency)
• Bank account details for fund deposit
• Desired loan amount and purpose

Tips for a Smooth Application:

• Have your latest pay stub or bank statement handy
• Ensure your contact information is current and accurate
• Double-check all entered information before submitting
• Use a stable internet connection to avoid disruptions
• Apply during business hours for fastest processing

Once you submit your application, our automated system evaluates your information using sophisticated algorithms that consider multiple factors beyond just your credit score.

What We Evaluate:

• Credit history and score
• Current income and employment stability
• Debt-to-income ratio
• Banking history and patterns
• State-specific lending regulations
• Ability to repay based on current obligations

Possible Outcomes:

• Approved: You'll see your loan offer with specific terms
• Conditionally Approved: We may need additional documentation
• Declined: We'll explain why and suggest alternatives

If approved, you'll immediately see your personalized loan terms including the exact APR, loan amount, repayment schedule, and all associated fees. Nothing is hidden or saved for later.

This is the most important step. Take your time to read through all loan documents carefully. Understanding your loan terms ensures there are no surprises down the road.

Key Documents You'll Receive:

• Loan Agreement: Complete terms and conditions
• Truth in Lending Disclosure: APR, finance charges, total cost
• Payment Schedule: Exact dates and amounts for each payment
• Electronic Funds Authorization: Permission to debit your account
• Privacy Policy: How your information is used and protected

What to Look For:

• The exact APR (Annual Percentage Rate)
• Total amount you'll repay over the loan term
• Payment frequency and amounts
• Any origination or processing fees
• Late payment fees and grace periods
• Prepayment penalty policy (we don't charge these!)

Our customer service team is available to answer any questions about your loan documents. Never feel pressured to sign immediately—take the time you need to feel comfortable.

After you've signed your loan documents, we process your funding request immediately. In most cases, funds are deposited into your bank account by the next business day.

Funding Timeline:

• Same Day (if approved before 10 AM ET): Possible in some cases
• Next Business Day: Most common timeline
• 2-3 Business Days: If additional verification needed

What Happens Next:

• You'll receive an email confirmation when funds are sent
• Money appears as a direct deposit in your account
• Your first payment date is established (usually 14 days after funding)
• You gain access to your online account portal
• You can set up automatic payments to never miss a due date

Once funded, your loan servicer will send you a welcome packet with important information about managing your account, making payments, and contacting customer support.

After You Receive Funds:

• Use the money for your intended purpose
• Set up automatic payments to avoid late fees
• Mark payment dates on your calendar
• Consider paying extra to reduce interest charges
• Keep all loan documents for your records