Customer Reviews & Testimonials

I needed money quickly for an unexpected car repair and Integra Credit came through. The application process was straightforward and took less than 10 minutes. I was approved within an hour and had the money in my account the next morning. The customer service team was incredibly helpful in explaining all the terms and answered all my questions patiently. The bi-weekly payment schedule works perfectly with my paychecks. Highly recommend if you need quick access to funds.

I was hesitant to apply anywhere after going through bankruptcy last year, but I desperately needed help with medical bills. Integra Credit not only approved me but also took the time to explain how making on-time payments would help rebuild my credit. Six months later, my credit score has improved by 38 points! The interest rate is high, but that's expected given my situation. What matters is they gave me a chance when no one else would. The transparency about all fees upfront was refreshing.

The application and approval process was very smooth. I appreciated the transparency about rates and fees—everything was laid out clearly before I signed anything. The rates are high, but I knew that going in given my credit score. It's definitely better than Online Loans I've used in the past. The customer service has been responsive whenever I've had questions. Only reason for 4 stars instead of 5 is the high APR, but I understand that's the trade-off for working with people with bad credit.

My air conditioner broke in the middle of summer and I didn't have the $1,200 needed for repairs. Integra Credit approved me quickly and I had the money the next day. The online portal makes it easy to see my balance and payment schedule. I was able to pay off the loan 3 months early with no penalty, which saved me a lot on interest. Really appreciate the no prepayment penalty policy!

I've had loans from other companies before and this was by far the best experience. Everything was explained clearly, no hidden fees, and the customer service team actually treats you like a person, not just a number. The bi-weekly payment option fits my budget perfectly. I'm three payments away from paying this off and will definitely consider them again if I need a loan in the future.

Applied late at night and was surprised to get approved so quickly. The terms were clearly explained and I appreciated that they didn't try to upsell me on anything. The loan amount was exactly what I needed for home repairs. Payment reminders are helpful. Would recommend to anyone who needs quick access to funds and has less than perfect credit.

The service is good and they were helpful when I had questions. Got approved quickly and received funds as promised. My only complaint is the high interest rate, but I understand that's the reality with my credit situation. The payment schedule works for me. It's not perfect but it got me through a tough spot when I needed it.

I was facing eviction and needed money fast. Traditional banks turned me down because of my credit score. Integra Credit approved me within an hour and I had the funds the next day. Their customer service team was compassionate and understanding. I've made every payment on time and my credit score has actually improved! Can't thank them enough for giving me a second chance.