We believe in complete transparency. See exactly what you'll pay before you apply—no hidden fees, no surprises.
Unlike many lenders, we believe you deserve to know exactly what you're paying before you sign anything. Every fee, every charge, and every rate is clearly disclosed in your loan documents. We never surprise you with hidden costs, and we encourage you to compare our rates with other lenders. An informed borrower is an empowered borrower.
Estimate your total loan cost and monthly payments
Annual Percentage Rates vary by state due to different lending regulations. Find your state below to see the applicable rate range.
| State | Minimum APR | Maximum APR | Available |
|---|---|---|---|
| Alabama | 135.00% | 365.00% | ✓ Yes |
| Arizona | 135.00% | 225.00% | ✓ Yes |
| Arkansas | 135.00% | 399.00% | ✓ Yes |
| California | 135.00% | 225.00% | ✓ Yes |
| Delaware | 135.00% | 365.00% | ✓ Yes |
| Florida | 135.00% | 304.00% | ✓ Yes |
| Idaho | 135.00% | 399.00% | ✓ Yes |
| Indiana | 135.00% | 222.00% | ✓ Yes |
| Kansas | 135.00% | 399.00% | ✓ Yes |
| Kentucky | 135.00% | 399.00% | ✓ Yes |
| Louisiana | 135.00% | 399.00% | ✓ Yes |
| Michigan | 135.00% | 369.00% | ✓ Yes |
| Minnesota | 135.00% | 399.00% | ✓ Yes |
| Mississippi | 135.00% | 399.00% | ✓ Yes |
| Missouri | 135.00% | 399.00% | ✓ Yes |
| Montana | 135.00% | 399.00% | ✓ Yes |
| Nebraska | 135.00% | 399.00% | ✓ Yes |
| New Mexico | 135.00% | 399.00% | ✓ Yes |
| Ohio | 135.00% | 399.00% | ✓ Yes |
| Oregon | 135.00% | 156.00% | ✓ Yes |
| South Carolina | 135.00% | 399.00% | ✓ Yes |
| South Dakota | 135.00% | 399.00% | ✓ Yes |
| Tennessee | 135.00% | 399.00% | ✓ Yes |
| Texas | 135.00% | 399.00% | ✓ Yes |
| Utah | 135.00% | 399.00% | ✓ Yes |
| Wisconsin | 135.00% | 399.00% | ✓ Yes |
Here's every fee that may apply to your loan. Most fees are state-dependent.
One-time fee charged when your loan is issued. Amount varies by state and loan size. Deducted from your loan proceeds.
Charged if payment is more than 10 days overdue. Amount varies by state. Avoid this by setting up automatic payments.
Applied when a scheduled payment cannot be processed due to insufficient funds. Ensure adequate balance on payment dates.
We do NOT charge prepayment penalties! You can pay off your loan early and save on interest without any additional fees.
Free to apply! There's no charge to check your eligibility or submit an application. You only pay if you accept a loan.
No monthly or annual maintenance fees. Access your account online anytime at no charge.
Your specific APR is personalized based on multiple factors. Understanding these can help you get the best possible rate.
While we work with all credit types, borrowers with higher credit scores typically receive lower rates. We also consider your payment history and credit utilization.
Consistent income and stable employment demonstrate your ability to repay. Longer employment history and higher income may qualify you for better terms.
We evaluate your existing debt obligations relative to your income. Lower debt-to-income ratios indicate better financial health and may result in improved rates.
Smaller loan amounts and shorter terms typically have lower rates. The amount you borrow and how long you take to repay it affects your APR.
Each state has different lending laws that set maximum rates and fees. Your state of residence significantly impacts available loan terms.
Active checking account history demonstrates financial responsibility. Longer banking relationships may positively influence your rate.
See how Integra Credit stacks up against other borrowing options
| Feature | Integra Credit | Online Loans | Credit Cards | Bank Loans |
|---|---|---|---|---|
| APR Range | 135% - 399% | 400% - 600%+ | 15% - 30% | 6% - 36% |
| Loan Amount | $500 - $3,000 | $100 - $1,000 | $500 - $25,000 | $2,000 - $50,000 |
| Repayment Term | 10 - 21 months | 2 - 4 weeks | Revolving | 12 - 84 months |
| Bad Credit OK | ✓ Yes | ✓ Yes | ✗ Usually No | ✗ No |
| Prepayment Penalty | ✓ None | Varies | ✓ None | Varies |
| Build Credit | ✓ Yes | ✗ Rarely | ✓ Yes | ✓ Yes |
| Funding Speed | 24 hours | Same day | Instant | 2-7 days |
Representative Example: If you borrow $1,500 at 200% APR for 12 months with bi-weekly payments, you would make 26 payments of approximately $102.31, for a total repayment of $2,660.06, which includes $1,160.06 in interest charges.
State-Specific Terms: Rates, fees, and terms vary by state and are subject to applicable state lending regulations. Not all loan amounts or terms are available in all states. Your actual APR, loan amount, and terms will be disclosed during the application process based on your creditworthiness and state of residence.
APR Explanation: APR (Annual Percentage Rate) represents the yearly cost of borrowing, including interest and fees, expressed as a percentage. It allows you to compare the cost of loans from different lenders.
Credit Impact: Checking your eligibility will not affect your credit score (soft inquiry). Accepting a loan offer will result in a hard inquiry that may temporarily impact your credit score.
Licensing: Loans are provided by CCBank (Capital Community Bank) and TAB Bank (Transportation Alliance Bank), Utah state-chartered banks. IntegraCredit is a servicer for these lending institutions.
Rate Changes: All rates and terms are subject to change without notice. The information on this page is current as of October 2025.
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