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Integra Credit Personal Loan Review May 2024

Integra Credit specializes in providing personal loans to customers with low credit scores. While many lenders won’t approve loans for those customers, Integra Credit understands that everyone needs financial support. They offer short-term, low dollar amounts and very high-interest rates. Use them as a last resort.
Jane MeggittMay 1, 2024
Editor’s Note
Advertising Disclosures

At, we strive to help you make financial decisions with confidence. While many of the products reviewed are from our Service Providers, including those with which we are affiliated and those that compensate us, our evaluations are never influenced by them.

Best for fair to poor credit

Integra Credit Logo
Overall rating:
3.7 rating
Fixed APR149% - 199%
Loan Amounts$500 - $3,000
Repayment12 - 18 months
Feeso prepayment penalties. Late fees in some states. Origination fees not covered on website.
Time to fundA few business days
Min. Credit ScoreNone
Thumb up
  • Fast funding
  • No origination or prepayment fees
  • No hard inquiry
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  • Very high APRs
  • Low loan amounts
  • Not available everywhere

Integra Credit specializes in personal loans for those with bad credit. The company understands that people with lower credit scores need financial support. Even if you have a bankruptcy on your credit history, Integra Credit may be willing to work with you. They use a nuanced system to provide small, affordable personal loans to customers who might not otherwise qualify.

Integra Credit personal loan top features

Fast funding: Funds are available within one to two business days. 

No prepayment fees: There are nofees for paying your loan off early or making additional payments. Prepayment helps you pay less interest. Integra Credit does charge late payment fees in some states.

No hard inquiry: Normally, when you apply for credit, the lender makes a hard inquiry that can cause your score to drop temporarily by a few points. At Integra Credit, you can apply without harming your credit score. 

Loan approval even if credit scores are low: Integra Credit focuses on making personal loans to those with lower credit scores.

Use funds for nearly anything: Use an Integra Credit personal loan for debt consolidation, medical bills, home improvements, moving costs, or emergencies.

Qualifying for an Integra Credit loan

To be eligible for an Integra Credit personal loan, you must live in the United States and in a state in which Integra Credit does business. These are the following states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Delaware
  • Florida
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan 
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Mexico
  • Ohio
  • Oregon
  • South Carolina 
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Wisconsin

You must be at least 18 years old and have a Social Security number, a valid email address, and a U.S. checking account. 

Integra Credit accepts only individual applications, not joint applications.

How to apply for an Integra Credit loan

Apply online and provide the following information:

  • Name
  • Address
  • Social Security number 
  • Income 
  • Checking account information 
  • Loan amount 

There's no hard pull of your credit report during the application process. This means the application won’t affect your credit score. Expect to provide pay stubs, tax returns, or W-2s to verify your income.

Loan approval and loan funding from Integra Credit

Integra Credit makes decisions instantly after you submit your application. Once you’re approved, you then review and sign the loan agreement. They'll deposit the money into your bank account within one to two business days.

Because Integra Credit loans have high interest rates, try to pay them down as soon as possible. Since there are no prepayment penalties, you won't pay extra fees if you pay a little extra each month to lower your balance ahead of schedule. 

Integra Credit: customer service and customer satisfaction

The Better Business Bureau gives Integra Credit an A+ rating. Integra Credit receives good reviews from borrowers. Many reviews mention the ease of applying and the fast funding. Some customers note that they received quick approval even with lower credit scores.

Customers liked Integra Credit's level of customer service and their honesty with customers. The company makes it clear that the rates on its loans are high and offers advice about paying down loans. As Integra Credit puts it, “This is an expensive form of credit and not intended to provide a solution for all credit or other financial needs.”

When an Integra Credit personal loan might be the best choice 

An Integra Credit personal loan designs loans for those with poor credit or no credit. If you weren't approved for a personal loan by other lenders, you may find that Integra Credit approves you. Loan amounts aren't large, and the interest rates are high, but the money can make a huge difference for those who need it. If you’re in a financial bind and need a fast loan, Integra Credit may help.

Because Integra Credit’s interest rates are high, it should be considered an option only if you can’t get a less costly loan from another lender.

Compare To

Full Star
Full Star
Full Star
Full Star
Half Star rating

Good for: Borrowers With Poor Credit

Fixed APR
9.95% - 35.99%
Loan Term
12 to 60 months
Loan Amount
$2,000 - $35,000
Min. Credit Score
Full Star
Full Star
Full Star
Half Star
Empty Star rating

Good for: Last-resort Loan

Fixed APR
34% - 155%
Loan Term
6 to 60 months
Loan Amount
$1,000 - $10,000
Min. Credit Score
Full Star
Full Star
Full Star
Half Star
Empty Star rating

Good for: Small Loans And Low Credit

Fixed APR
18% - 35.99%
Loan Term
24, 36, 48, or 60 month
Loan Amount
$1,500 - $20,000
Min. Credit Score