We're not just another lender. We're committed to providing fair, transparent, and responsible lending to people who need it most.
We've built our business on principles that put our customers first. Here's what sets us apart.
Time is money, especially in emergencies. Our streamlined application process gets you an answer in minutes, not days.
We understand that life happens. Past credit challenges don't define your future. We look beyond your credit score.
Hidden fees are for hidden agendas. We show you everything upfront—every rate, every fee, every term.
Want to pay off your loan early? Great! We reward responsible borrowing, not punish it.
Need help? Talk to actual people who care. No endless phone menus or chatbots that don't understand.
We've earned the trust of the Better Business Bureau and maintain high standards of business practices.
See how Integra Credit stands out from Online Loans, credit cards, and traditional banks
| Feature | Integra Credit | Online Loans | Credit Cards | Banks |
|---|---|---|---|---|
| Works with Bad Credit | ✓ Yes | ✓ Yes | ✗ Rarely | ✗ No |
| Approval Speed | Minutes | Same Day | Days/Weeks | Days/Weeks |
| Funding Time | 24 Hours | Same Day | Instant | 2-7 Days |
| Repayment Term | 10-21 Months | 2-4 Weeks | Revolving | 12-84 Months |
| APR Range | 135-399% | 400-600%+ | 15-30% | 6-36% |
| Prepayment Penalty | ✓ None | Varies | None | Sometimes |
| Builds Credit | ✓ Yes | ✗ Rarely | ✓ Yes | ✓ Yes |
| Transparent Fees | ✓ All Upfront | Often Hidden | Complex | Generally Clear |
| Personal Service | ✓ Human Support | Minimal | Phone/Chat | In-Branch |
| Application Process | 100% Online | Store Visit | Online/Mail | Branch Visit |
These are the things that make Integra Credit truly special in the lending industry
Many lenders profit from keeping you in debt. Not us. We succeed when you succeed. That's why we don't charge prepayment penalties and encourage you to pay off your loan as quickly as possible. Our model is built on responsible lending, not trapping customers in debt cycles.
Most people get paid bi-weekly, but most loans require monthly payments. This creates cash flow problems. Our bi-weekly payment schedule aligns with your income, making budgeting easier and reducing the stress of payment dates.
Every on-time payment you make is reported to credit bureaus, helping you rebuild or establish credit. Many short-term lenders don't report positive payment history—we do. This means your responsible borrowing actually helps your financial future.
While we use technology to speed up the process, real people review applications. We look at your complete financial picture, not just a credit score. This human element means we can approve people that automated systems would reject.
We're fully licensed in all 26 states where we operate. We comply with state lending laws, consumer protection regulations, and federal banking standards. Our partner banks (CCBank and TAB Bank) are federally regulated institutions.
We don't just give you money and walk away. Our blog, guides, and customer service team provide financial education resources to help you make better decisions and improve your financial health long-term.
The transparency was refreshing. Every fee was explained upfront, and there were no surprises. I knew exactly what I was getting into, and the customer service team answered all my questions patiently.
After bankruptcy, I thought no one would lend to me. Integra Credit not only approved me but helped me understand how to rebuild my credit. Six months later, my score has improved significantly!
I was able to pay off my loan early without any penalty, which saved me hundreds in interest. That tells me they actually care about customers, not just profits.
The bi-weekly payment schedule is genius. It matches my paycheck perfectly, so I never have to worry about having enough money for my payment. Makes budgeting so much easier!
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