Terms and conditions governing the use of our website and services
By using our website or applying for a loan, you agree to these Terms of Service. Please read this document carefully before proceeding.
This agreement covers your use of the IntegraCredit website (www.integracreditapply.com), our loan application process, and all related services provided by Deinde Financial, LLC and our partner banks.
Key Points: You must be at least 18 years old (or 19 in certain states), a U.S. resident, and able to enter into a legally binding contract. Loan terms are governed by separate loan agreements with our partner banks.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Deinde Financial, LLC d/b/a IntegraCredit ("IntegraCredit," "we," "us," or "our").
By accessing or using our website, applying for a loan, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, you must not access or use our website or services.
These Terms contain provisions that limit our liability to you and require arbitration of disputes on an individual basis, not as part of any class or representative action. Please review Sections 10 and 11 carefully.
You must be at least 18 years old (or 19 years old in Alabama, Nebraska, or other states where the age of majority is 19) to use our services or apply for a loan.
You must have the legal capacity to enter into a binding contract. This means you:
You must be a resident of the United States and reside in one of the states where we are licensed to operate. We currently operate in 26 states. Check our website for the current list of eligible states.
You agree to provide accurate, current, and complete information during registration and throughout your use of our services. You must promptly update any information that changes.
You may not use our services if you:
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our website for personal, non-commercial purposes.
You agree not to:
We reserve the right to suspend or terminate your access to our website at any time, with or without notice, for any reason, including violation of these Terms.
When you submit a loan application through our website, you authorize us to:
Submitting an application does not guarantee loan approval. All applications are subject to credit review and approval by our partner banks based on their lending criteria.
Initial eligibility checks may use soft credit inquiries that do not affect your credit score. If you proceed with a full application, a hard credit inquiry will be performed, which may impact your credit score.
You may withdraw your application at any time before accepting a loan offer by contacting customer service or following the withdrawal instructions provided.
Submitting multiple applications within a short period may negatively impact your credit score. We recommend waiting at least 30 days between applications if initially denied.
The loan application process is facilitated by IntegraCredit, but loans are issued by our partner banks: Capital Community Bank (CCBank) or Transportation Alliance Bank (TAB Bank). Your loan agreement will be with the issuing bank, not with IntegraCredit.
If your application is approved, you will receive a loan agreement from the issuing bank. The terms of your specific loan are governed by that loan agreement, not by these Terms of Service.
Your loan agreement will specify:
You must carefully review all loan documents before accepting a loan offer. By accepting the loan, you acknowledge that you understand and agree to all terms and conditions.
Depending on your state of residence, you may have a limited right to cancel your loan agreement after signing. Cancellation rights and procedures are specified in your loan agreement.
IntegraCredit may service your loan on behalf of the issuing bank. This means we may handle payments, customer service inquiries, and account management.
By accepting a loan, you authorize the lender to initiate electronic debits from your bank account on scheduled payment dates. You may revoke this authorization by following the procedures in your loan agreement.
Loans from IntegraCredit carry higher interest rates than traditional bank loans due to the higher risk associated with lending to borrowers with challenged credit. Make sure you understand the total cost of borrowing before accepting a loan.
By using our services, you consent to receive communications from us electronically, including:
You agree that your electronic signature on any document has the same legal effect as a handwritten signature. Electronic signatures comply with the federal E-Sign Act and applicable state laws.
To access electronic communications, you need:
You may withdraw your consent to electronic communications at any time by contacting customer service. However, withdrawal may result in account closure or inability to obtain new loans.
You are responsible for maintaining the confidentiality of your account credentials (username and password). You agree to:
You are responsible for all activities that occur under your account, whether or not you authorized them. If you suspect unauthorized access, contact us immediately.
We may require multi-factor authentication for certain account activities. You agree to provide the necessary information (phone number for SMS codes, etc.) and keep this information current.
All content on our website, including text, graphics, logos, images, software, and design, is owned by IntegraCredit or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
"IntegraCredit," "Integra Credit," our logo, and other marks are trademarks of Deinde Financial, LLC. You may not use these marks without our prior written permission.
Your license to use our website does not grant you any ownership rights in our intellectual property. You may not copy, modify, distribute, or create derivative works from our content without permission.
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
We do not guarantee that:
IntegraCredit is not a financial advisor. We provide lending services but do not provide financial, legal, or tax advice. You should consult with appropriate professionals before making financial decisions.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INTEGRACREDIT AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES.
We are not liable for damages including but not limited to:
In no event shall our total liability to you for all damages exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the extent permitted by law.
Before filing any formal claim, you agree to first contact us to attempt to resolve the dispute informally. Send a written notice describing the dispute to the address in Section 14.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
You and IntegraCredit agree that any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved by binding arbitration, rather than in court, except that:
Arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be held in your county of residence or another mutually agreed location.
YOU AND INTEGRACREDIT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE PROCEEDING.
Unless both you and IntegraCredit agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
You have the right to opt out of this arbitration agreement by sending written notice within 30 days of first accepting these Terms. The opt-out notice must be sent to the address in Section 14 and must include your name, address, and a clear statement that you wish to opt out of arbitration.
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions.
Any legal action or proceeding not subject to arbitration shall be brought exclusively in the federal or state courts located in Cook County, Illinois, and you consent to the jurisdiction of such courts.
Note: Your loan agreement may be governed by the laws of your state of residence. The governing law for loan-specific disputes is specified in your loan agreement.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on our website.
When we make changes, we will:
Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms. If you do not agree to the changes, you must stop using our services.
Changes to these Terms do not affect the terms of any existing loan agreement. Your loan is governed by the agreement you signed, not by subsequent changes to these Terms of Service.
If you have questions about these Terms of Service or need to send formal notices, please contact us:
Mailing Address:
120 S La Salle St, Suite 1600
Chicago, IL 60603
Email: legal@integracredit.com
Phone: 1-800-XXX-XXXX (toll-free)
Hours: Monday-Friday, 8am-8pm ET
Our lending partners are regulated by:
You may file complaints with these agencies if you believe your rights have been violated.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or our right to enforce it in the future.
These Terms, together with our Privacy Policy and any loan agreement you sign, constitute the entire agreement between you and IntegraCredit regarding the subject matter herein.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without your consent in connection with a merger, acquisition, or sale of assets.
These Terms do not create any third-party beneficiary rights except as expressly stated.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, government action, or internet/telecommunications failures.
Provisions that by their nature should survive termination of these Terms (including dispute resolution, limitation of liability, and intellectual property provisions) shall survive such termination.
Our legal team is available to answer questions about these Terms of Service