Integra Credit Reviews and Ratings

The Integra Credit company logo.

When you search for “Integra Credit reviews,” you’re usually not doing it for fun. You’re trying to figure out whether taking a sky-high APR loan is better than falling behind on rent, utilities or other bills.

Integra Credit is a Chicago-based online lender that targets subprime borrowers with bad or limited credit. It offers unsecured installment loans (and in some states, a line of credit) with APRs that can range from roughly 149% to as high as 399%. The company is legitimate and holds an A+ rating with the Better Business Bureau (BBB), but its loans sit firmly in the high-cost, last-resort category.

This Integra Credit review breakdown walks through how the loans work, what real customers say, the true cost of borrowing, and when it might make sense to use Integra, as well as when you should walk away. Let’s dive right in.

TL;DR

• Rating: 2.8 / 5
• What it is: Legit but extremely expensive bad-credit lender
• APR: ~149%–399%
• Loan size: $500–$3,000 (higher minimums in some states)
• Best for: Last-resort emergencies if you can pay it off fast
• Worst for: Anyone with cheaper options (credit union, employer advance, payment plan)
• Big risk: Payments are biweekly and mostly interest at first; total cost can be 2–4× the loan
• Bottom line: Use only if all other options are gone and you can repay in a few months

What is Integra Credit?

Integra Credit’s online loan application process

Before we get into the details, let’s examine the background and origins of Integra Credit:

Company background (founded 2014, Chicago)

Integra Credit is the consumer-facing brand of Deinde Financial, LLC and related entities such as Integra Credit One, LLC and Integra Credit Two, LLC, which roll up under Deinde Group, LLC. These entities collectively operate as a non-bank online subprime lender focused on unsecured small-dollar credit for bad-credit borrowers.

The company is based in Chicago, Illinois, with key addresses listed as 200 W. Jackson Blvd., Suite 500 and 120 S. LaSalle St., Suite 1600, Chicago, IL 60603. Operations began around 2014, based on company and parent profiles.

Leadership is centered around founder and CEO Arthur Tretyak, a former senior executive at TMX Credit and Enova Financial with earlier roles at McKinsey, Motorola and Verizon Wireless. He also appears as chief officer or CEO in Illinois EDGE program filings for Deinde Group and Deinde Financial. Other senior roles include a chief operating officer (for example, Allison Gravely), CIO, general counsel and other management positions across technology, operations and compliance.

Headcount estimates vary:

• Integra Credit LLC itself is often listed with fewer than 25 employees
• Deinde Financial shows about 51–200 employees on LinkedIn
• Illinois EDGE filings suggest roughly 65+ employees across management, IT, operations and customer service as of late 2024

Revenue data is also third-party and approximate. One database pegs Integra Credit LLC at around $7.2 million in revenue, while broader Deinde Financial revenue estimates fall in the $25–50 million range. These are not audited financials, but help show that Integra is a mid-sized niche lender, not a massive national bank.

Integra does not offer tax relief, debt settlement, formal credit counseling, secured auto loans or mortgages. Its entire business is focused on unsecured small-dollar credit for higher-risk customers.

Lending partners (CCBank, TAB Bank)

Integra Credit markets and services loans under its own brand, but the underlying credit can flow through multiple entities:

• In many states, loans are originated directly by Deinde-affiliated entities and serviced by Integra.
• In some states, loans may be originated by partner banks such as TAB Bank or CCBank, then serviced by Deinde/Integra under a bank-partnership model.

This kind of structure is common in high-cost online lending, because it can allow lenders to export interest rates from the bank’s home state and operate in states with tighter usury caps. It also contributes to some of the legal disputes and class-action investigations around Integra’s rates and regulatory status.

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Business model explained

Integra Credit’s business model is straightforward:

• Target market: Subprime borrowers with low credit scores (often around or under 600) and at least $24,000 per year in income who struggle to qualify with traditional banks or prime personal-loan providers.
• Products: High-APR unsecured installment loans and, in some states, open-ended/revolving lines of credit, marketed heavily as “loans for bad credit” and “personal loans for bad credit.”
• Value proposition: Faster approval, more flexible credit standards and next-business-day funding for people who need cash urgently.
• Monetization: Revenue is driven almost entirely by triple-digit interest, plus late and NSF fees, rather than upfront program fees or success-based charges.

Integra’s own marketing emphasizes “transparent terms” and “no hidden fees,” pointing consumers to state-specific disclosures. The lender does not claim to reduce your debt or negotiate with creditors, nor does it publish savings metrics or long-term financial outcomes for borrowers.

State availability (25 states)

Integra Credit reviews and rate pages make it clear that availability is highly state-specific and can change as laws and partnerships evolve. Public sources offer a rough map rather than a definitive list:

• LendingTree reports that Integra offers installment loans in 23 states.
• Older LearnBonds data lists Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah and Wisconsin with detailed APR and term ranges, including longer-term loans in California.
• The Yukon Project estimates Integra lending in about 25 states, with minimum loan amounts as low as $500 in many states and around $2,600 in California due to state-law requirements.

Taken together, Integra Credit reviews suggest that the company is active in roughly 23–25 states, concentrated in states that permit triple-digit APR installment loans. Instead of publishing a static list, the company directs borrowers to its Rates and Terms page and online application, which will show whether you’re currently eligible in your state and under what conditions.

If you’re considering Integra, you should assume that state coverage can change and confirm eligibility by starting the application or checking the latest state-specific disclosures.

Is Integra Credit legit or a scam? 

It’s normal to be cautious with lenders. In this section we will answer all your questions concerning Integra Credits legitimacy:

BBB accreditation (A+ rating)

On paper, Integra Credit looks legitimate:

• BBB rating: A+
• BBB accreditation: Listed as a BBB-accredited financing company based in Chicago
• BBB customer rating: About 3.54 out of 5 stars based on 52+ reviews
• BBB complaint volume: Around 64 complaints in the last 3 years, with 36 in the last 12 months

The company is not a member of debt-relief trade groups like AFCC or IAPDA, because it is a lender rather than a settlement or consolidation program. It also does not advertise SOC-2 or ISO 27001 security certifications, although its site uses standard HTTPS encryption and similar security practices.

Taken together, Integra is not a scam in the sense of a fake or fly-by-night website. It is a real, licensed lender operating within a heavily scrutinized segment of the market.

Trustpilot reviews (4.7/5)

Trustpilot paints a much more positive picture than the BBB:

• Rating: Around 4.7 out of 5 stars
• Volume: Roughly 2,880–2,900 reviews across U.S. and Canadian domains

Common Trustpilot themes include:

• Fast approval and funding, often with money in the bank by the next business day
• An easy, user-friendly application process
• Willingness to lend to people with low credit scores when other lenders say no
• Polite, respectful customer service reps

Even many 4- and 5-star reviews, however, explicitly mention that the interest rates are very high and that borrowers would prefer to pay the loan off early.

Common complaints and red flags

The red flags around Integra Credit reviews show up more clearly in BBB complaints and Reddit threads than on Trustpilot:

• Triple-digit APRs (often 149%–399%) that make total repayment two to four times the borrowed amount if the loan runs its full term
• Biweekly ACH payments where most of the payment goes to interest for several months, causing the principal to drop very slowly
• Difficulty making extra principal payments, with some borrowers saying that extra funds were applied to future interest and scheduled payments instead of knocking down the balance
• Confusing documentation or difficulty getting copies of the original loan agreements
• Aggressive collection behavior, including multiple phone calls and calls to workplaces, especially once accounts fall behind
• Credit-reporting and payoff issues, where borrowers say closed accounts still showed balances or were not reported accurately to the credit bureaus

None of these patterns, by themselves, proves wrongdoing. They do, however, underline that Integra loans are very unforgiving if you hit a rough patch.

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Pre-approval then denial reports

Integra markets a fast, online pre-approval process that uses an initial soft inquiry to show potential offers. Like most subprime lenders, any pre-qualification is not a final approval.

While the structured data here does not highlight a dominant pattern of “bait and switch” pre-approval complaints specific to Integra, borrowers should understand that:

• Offers shown after a soft pull can be withdrawn after full underwriting
• Final approval may depend on income verification, bank account review and a hard credit check.
• Any discrepancies in your application could lead to a denial after initial optimism

This pre-approval-then-denial pattern is common in high-risk lending and is worth keeping in mind if you are relying on a tentative offer.

Credit report disputes

A significant slice of BBB complaints involve credit-reporting issues, such as:

• Loans marked as open or delinquent after payoff
• Balances not updated promptly after a lump-sum payment
• Disagreements about whether Integra accurately reported payment history

Because Integra is positioned as a bad-credit lender, many borrowers hope that on-time payments will improve their credit scores. If the lender mishandles reporting or delays updates after payoff, the loan can hurt your credit more than help it, especially if you fall behind.

Borrowers should monitor their credit reports closely and be prepared to dispute inaccurate information with both Integra and the credit bureaus.

What does Integra Credit actually offer?

Now let’s get into the weeds. Here is the actual offerings of Integra Credit:

Loan amounts ($500 – $3,000)

Integra Credit’s core product is a small, unsecured personal installment loan:

• Typical minimum loan amount: About $500 in many states
• Typical maximum loan amount: Up to $3,000, depending on state law
• State-specific minimums: Some states, notably California, require higher minimums, with estimates around $2,600 due to state regulations

The exact amount you qualify for depends on your state, income, credit profile and Integra’s underwriting.

APR range (149% – 399%)

Integra’s APRs are where Integra Credit reviews tend to sound the loudest alarm:

• LendingTree cites an APR range of roughly 149% to 399%
• LearnBonds notes typical ranges of 99%–299%, with some states allowing maximums up to 299%
• The Yukon Project often sees APR bands in the 159%–224% range, with the highest brackets climbing to around 399%

For context:

• Prime and near-prime personal loans from mainstream lenders typically cap around 36% APR
• Even many subprime installment lenders cap below 99% APR

Integra’s pricing sits well above these ranges and is more comparable to some payday-style or tribal loans, despite being marketed as “installment” or “personal” loans.

Loan terms (10 – 21 Months)

Most Integra Credit reviews and rate tables describe terms that fall roughly between:

• 10 and 21 months in many states

However, other sources outline a wider range:

• 6 to 24 months in most states, per LearnBonds
• 12 to 36 months in California, where longer terms may be used to structure loans under state rules

The combination of triple-digit APRs and year-plus repayment schedules is what drives such high total interest costs.

Bi-weekly payment structure

Integra typically structures its installment loans with biweekly payments:

• Payments are scheduled every other week rather than once a month
• Payments are made automatically via ACH debit from your checking account

This setup can create two separate issues:

1. Borrowers accustomed to monthly due dates can misjudge cash flow, leading to unexpected account hits.
2. Because payments are so frequent and APRs are high, interest dominates early payments, making principal reduction feel painfully slow.

State-by-state variations

Integra Credit reviews show substantial variation by state in:

• Maximum and minimum loan amounts
• Available terms (shorter in some states, longer in California)
• APR caps
• Fee structures, including late and NSF fees

For example, some states cap terms around 24 months, while California data suggests terms can stretch up to 36 months. APR maximums and minimums also shift based on local statutes and whether a bank-partner model is used.

Borrowers should always rely on state-specific “Rates and Terms” disclosures rather than generic marketing claims.

Minimum amounts by state

While Integra advertises a $500 minimum in many states, state laws sometimes require higher minimums. California, for instance, is often cited with a minimum near $2,600, which can make even a “small” loan quite large in terms of repayment obligations.

Other states where Integra is reported to operate — such as Alabama, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah and Wisconsin, along with many others — typically stick closer to the $500 entry point, though actual amounts are determined during underwriting.

APR caps by state

APR caps depend on:

• Whether the loan is originated by a state-licensed lender or a partner bank
• The specific state’s usury laws and exemptions
• How regulators classify the product (installment loan vs. open-ended credit vs. other categories)

Class-action investigations, particularly in California, argue that some Integra-related loans exceed state interest caps by using bank-partner structures to charge APRs as high as 399%, even where state law appears to limit many consumer loans to around 45%. These ongoing disputes underline the importance of reading your contract carefully and understanding the true APR disclosed for your state.

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How much will Integra Credit actually cost?

Here’s the full breakdown of what you can expect as far as costs and fees when using Integra Credit:

No origination fees

Integra Credit does not typically charge an origination fee:

• No upfront enrollment or “program” fee
• No fee simply to apply

This is one of the few cost-friendly aspects of the product, but it is overshadowed by the interest rates themselves.

No prepayment penalties

Integra does not charge a prepayment penalty. You can:

• Pay extra toward your balance
• Pay off the loan early
• Close the account ahead of schedule without incurring an additional prepayment fee.

Importantly, because APRs are so high, early payoff is one of the few effective ways to reduce total cost — but you must make sure those extra payments are applied correctly (more on that below).

Late fees ($15, $30 in Utah)

Integra charges late fees if your payment is not received within a 10-day grace period after the due date:

• In many states, the late fee is around $15
• In Utah, late fees can be around $30

Exact amounts are disclosed in your loan agreement and can differ by state. Repeated late fees can significantly increase your total cost of borrowing.

NSF penalties

If a scheduled ACH payment is returned due to insufficient funds (NSF), Integra can charge:

• Returned-payment/NSF fees
• Potential collection-related fees if the account becomes delinquent and is eventually sold to a third-party collector

Integra’s educational content on “what increases your total loan balance” specifically flags NSF and collection fees as additional cost drivers, along with interest and late fees.

Autopay requirement for best rates

Integra’s pricing disclosures often assume you’ve opted into “electronic debit repayment” (automatic ACH payments). Some sources note that APR quotes assume participation in this autopay program and that choosing a different payment setup can lead to a higher APR.

Practically, this means:

• Turning off or avoiding ACH may not be an option if you want the rates and terms initially offered
• You need to be extremely careful with account balances, because a returned ACH can trigger fees and collection calls

True cost examples

While Integra doesn’t publish detailed amortization tables in its marketing, Integra Credit reviews and third-party analyses illustrate the cost:

• Borrowers report paying $130–$170 every two weeks on loans under $3,000 and seeing their balances barely budge for months
• At APRs in the 150%–300%+ range, biweekly payments over 10–21 months can produce a total repayment 2–4 times the amount borrowed

In real terms, a “small” loan used to cover an emergency can quickly turn into a multi-year drag on your cash flow if you stick with the scheduled payments instead of aggressively paying the loan down.

Integra Credit eligibility requirements 

Read this section to ensure you will qualify before trying to use Integra Credit:

No minimum credit score

Integra does not publish a minimum credit score requirement. Reviews and borrower stories suggest that:

• Borrowers with scores around 580 — and sometimes lower — can be approved
• Integra focuses more on overall risk profile and income than on a specific score cutoff

That said, lower scores usually translate to worse APRs within Integra’s already high range.

Age requirement (18+)

You must be:

• At least the legal age of majority in your state (typically 18 or older)
• Legally able to enter into a binding loan agreement

U.S. residency

Integra only lends to:

• U.S. residents
• Living in states where Integra currently operates

You’ll need to provide a valid address and confirm your state of residence during the application.

Valid bank account

Borrowers must have:

• A checking account in good standing
• The ability to accept ACH deposits and withdrawals

Because Integra relies heavily on biweekly ACH for payments, you should expect that this account will be debited automatically throughout the life of the loan.

Valid email address

You will also need:

• A valid email address (which becomes your online username)
• A working phone number

Most documents, disclosures and ongoing account communications are handled electronically.

State availability list

Integra does not publish a static list of states on its homepage, but Integra Credit reviews and rate pages indicate that:

• The lender operates in roughly 23–25 states
• These include states such as Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah and Wisconsin, among others
• The company focuses on states that allow triple-digit APR installment loans or support bank-partner structures

To confirm whether your state is currently eligible — and which product (installment loan or line of credit) is available — you’ll need to:

• Visit Integra’s Rates and Terms page
• Start an application and see whether your state is listed and what limits and APRs apply

How to Apply for Integra Credit 

Here’s a step by step guide to actually apply for Integra Credit:

Application process (online)

Integra’s application is entirely online and typically involves four steps:

1. Create an account – Enter your name, email address (which becomes your username), phone number, address, state and desired loan amount.
2. Complete the full application – Provide your Social Security number, income details, employment information and bank account routing/account numbers.
3. Review offers – Integra may display one or more offers based on an initial evaluation.
4. Sign and fund – Once you choose an offer, you’ll review state-specific terms, e-sign your loan agreement and wait for funds.

The online portal allows you to log in 24/7 to check your balance, view statements and schedule payments.

Hard credit check warning

Integra emphasizes that the initial rate check may be a soft inquiry, which doesn’t impact your credit score. However, for an installment lender that reports to the bureaus, it is standard practice to:

• Perform a hard credit inquiry before final approval and funding
• Report your payment history to major credit bureaus

Integra’s FAQ and third-party reviews strongly imply that a hard pull is likely before the loan is finalized, meaning your score may dip slightly in the short term.

Approval timeline (minutes)

Most Integra Credit reviews describe a fast decision process:

• Many borrowers receive a preliminary decision within minutes of submitting the full application
• Final underwriting (including verification) can take longer if documents are missing or information needs clarification

There is no published approval rate, but Trustpilot reviews and marketing copy strongly emphasize high approval odds for bad-credit borrowers, even if Integra doesn’t provide a numeric benchmark.

Funding speed (next business day)

If you’re approved and sign the agreement:

• Integra is typically funded by ACH deposit as soon as the next business day
• Some borrowers report same-day or very fast next-day funding when they apply early in the day and bank processing moves quickly

This speed is one of Integra’s main selling points in positive reviews.

Required documentation

While the online form handles most information, Integra may request supporting documents, such as:

• Pay stubs or bank statements to verify income
• W-2s or 1099s for income confirmation
• A government-issued ID
• Additional documents if something in your application is unclear

If you’re unable or unwilling to provide the requested documentation, your application may be denied even after initial pre-approval, which is why borrowers should be prepared with basic paperwork before applying.

What are customers saying about Integra Credit?

To help you decide whether or not Integra credit is the right option for you, here’s a holistic collection and analysis of customer sentiment:

Better Business Bureau (BBB) reviews

Integra Credit’s BBB business profile

On the BBB, Integra’s 3.54 out of 5 rating and 52+ reviews present a more mixed picture than Trustpilot:

• Some reviewers praise the speed and ease of getting funds
• Others highlight the ability to pay off early

However, many BBB narratives focus on:

• Shock at how little principal was reduced after months of biweekly payments
• A realization that the total repayment could reach two to four times the amount borrowed
• Difficulty understanding how payments were applied and getting complete documentation

The 64 complaints over 3 years (36 in the last year) center on cost, servicing and credit-reporting problems, which is consistent with a high-cost, high-risk lender.

Trustpilot reviews

Integra Credit’s Trustpilot rating

Trustpilot, by contrast, is filled with mostly positive stories:

• Borrowers often say Integra saved them in an emergency, such as a home repair, car breakdown or unexpected bill
• Many describe the process as “fast,” “easy,” and “straightforward”
• Customer service is frequently called “polite,” “professional,” and “helpful”

Even here, though, reviewers regularly point out that:

• “Interest is too high.”
• They would only recommend the loan to others who understand the cost and plan to pay it off quickly

Operationally, Integra gets strong marks. Price-wise, even satisfied customers acknowledge the pain.

Common praise (fast funding, easy process)

Across both BBB and Trustpilot, Integra Credit reviews praise consistently:

• Speed: Funds often arrive by the next business day
• Accessibility: Willingness to work with bad or limited credit when banks won’t
• Convenience: Fully online process and automatic payments
• Customer service: Many borrowers report respectful treatment and helpful phone reps, especially during the application and setup phase

For borrowers in crisis, these advantages are meaningful — as long as they fully understand what they are signing.

Common complaints (high rates, bait-and-switch)

Negative reviews highlight a different side:

• Extremely high APRs that are not fully grasped until borrowers see months of payments with little principal reduction
• A sense of “bait and switch” when pre-approval expectations don’t match the final cost or when borrowers discover how much interest they’ll pay over the full term
• Confusion or dissatisfaction around how extra payments are applied, especially when they go to interest or future due dates instead of principal
• Collection behavior that feels aggressive once a borrower falls behind

The combination of high cost, complex amortization and tight ACH schedules can leave borrowers feeling trapped even if they started with good intentions.

Reddit community warnings 

On Reddit (particularly in communities like r/povertyfinance, r/debtfree and r/personalfinance), Integra Credit reviews are blunt:

• Users generally agree that Integra is legit, not an outright scam, but describe it as “predatory” in pricing
• Commenters urge borrowers to exhaust credit-union payday alternative loans, payment plans, local assistance programs and employer advances before turning to Integra
• With credit scores around 580, commenters warn that while you might get approved, the terms will be punishing and default will severely damage your credit

The Reddit consensus: Only use Integra if every other door is closed, and only if you can pay it off quickly.

Integra Credit pros and cons 

Just like any service, Integra Credit is not perfect. Here are the areas where they fall short, and where they are more advantageous: 

Advantages

• Legitimate, licensed lender with A+ BBB rating
• Willing to work with bad or limited credit and low-600 or sub-600 scores
• Fast approval and funding, often by the next business day
• No origination fees and no prepayment penalties
• Offers both installment loans and, in some states, lines of credit
• Clear emphasis on disclosed terms (no hidden fees, state-specific rate tables)
• Online account access with biweekly automatic ACH payments, which can help some borrowers stay on schedule
• Offers educational blog content on loan costs, interest, and personal finance basics

Disadvantages

• APR ranges from roughly 149% to as high as 399%, far above affordable-loan standards
• Biweekly ACH payments combined with triple-digit APRs mean principal drops very slowly
• Total cost can reach two to four times the amount borrowed if you keep the loan for its full term
• Credit-reporting complaints and payoff update delays appear in BBB complaints
• Aggressive collection behavior was reported in some negative reviews, including repeated calls and workplace contacts
• A complex multi-entity and bank-partner structure has drawn RICO lawsuits and class-action investigations
• Availability is limited to about 23–25 states, with frequent regulatory changes
• Extra payments may not automatically reduce principal unless you call and specify a principal-only application
• No published approval rate or long-term financial outcome data for borrowers

Who Should Use Integra Credit? 

Integra Credit is certainly not gonna be for everyone. Here is a breakdown of who the ideal candidate looks like, and who would be best served to steer clear:

Ideal candidates (last resort, quick payoff)

Integra Credit may be an option for:

• Borrowers in an immediate emergency (car repair, move-in costs, essential medical bills) who have no better options
• People with bad or limited credit who do not qualify for bank or credit-union loans but still earn at least $24,000 per year
• Borrowers who can aggressively pay down the loan, ideally within a few months, not a year or more
• People who understand that this is short-term, high-cost credit, not a long-term solution

If you fit this profile and have a clear plan to pay the loan off early, Integra can function as a bridge rather than a trap.

Who should avoid (better options exist)

You should likely avoid Integra if:

• You qualify for credit-union loans, payday alternative loans (PALs), employer advances or mainstream personal loans
• You’re already struggling to keep up with existing debt or bills
• You rely on variable income, which makes biweekly ACH payments risky
• You tend to carry balances for a long time and are unlikely to repay early
• You’re looking for debt consolidation or long-term relief, not a short-term cash infusion

For these borrowers, Integra is more likely to worsen financial stress than relieve it.

How does Integra Credit stack up to the competition?

There are a lot of players in the installment lender scene. Here’s how Integra Credit fits in:

Integra Credit vs OppLoans

OppLoans is another high-cost online installment lender targeting subprime borrowers. Key differences include:

• APR range: OppLoans installment loans often run from around 129% to 195% APR, still very high but generally lower than Integra’s top-end 399% APR.
• Loan amounts: Typically $500 to $5,000, slightly higher than Integra’s usual $3,000 cap. 
• Terms: About 9 to 18 months, similar to Integra’s 10–21 month window.

If you’re forced to choose between two high-cost options and are approved for both, OppLoans may offer somewhat lower APRs, but rates are still well above 36% and should be treated as last-resort credit.

Integra Credit vs RISE

RISE Credit also targets bad-credit borrowers with expensive installment loans:

• APR range: Often quoted between about 59.8% and 299% APR, which still qualifies as high-cost but may be lower than Integra’s highest brackets. 
• Loan amounts: Typically $500 to $5,000, depending on the state.
• Terms: Around 7 to 36 months, similar to or slightly broader than Integra.

RISE loans are also expensive and can easily double your principal in total repayment, but their lower end of the APR range may be less punishing than Integra’s common 150%–300%+ bands.

Integra Credit vs Upstart

Upstart is a mainstream personal-loan platform that uses AI-driven underwriting:

• APR range: Around 6.5% to 35.99% APR, well below Integra’s triple-digit pricing. 
• Loan amounts: Roughly $1,000 to $75,000, with terms typically 3 to 5 years. 
• Borrower profile: Upstart can consider fair-credit and limited-credit borrowers, but approvals are more selective than high-cost subprime lenders.

If you have any chance of qualifying with Upstart or another mainstream lender, you’ll almost always be better off with single- or double-digit APRs instead of Integra’s triple-digit rates.

Better alternatives to Integra Credit to consider 

Before committing to Integra Credit, consider these potentially superior options:

Lower APR options (OppLoans, RISE)

If you’re firmly in the bad-credit category and can’t qualify with banks or Upstart-type lenders, it may be worth:

• Comparing Integra’s offers to OppLoans or RISE, which often publish APRs that, while still very high, may be lower than Integra’s top-end rates
• Looking carefully at total repayment, not just biweekly payment amounts, to see which option is least damaging

Remember that all triple-digit APR loans are high-risk and should only be used when absolutely necessary.

Credit union payday alternative loans

Many federal credit unions offer payday alternative loans (PALs):

• APRs are typically capped at around 28%, far below Integra’s pricing
• Loan amounts are often modest but sufficient for emergency expenses
• Terms designed to reduce the risk of a debt spiral

If you can join a credit union, a PAL is almost always a better choice than a triple-digit APR installment loan.

Cash advance apps

Depending on your situation and employer, cash advance apps and employer-linked advances can sometimes:

• Provide small advances on upcoming paychecks
• Charge lower fees or optional tips instead of triple-digit APRs
• Help bridge short-term gaps without a long-term installment loan

These tools can have their own risks, but they’re worth exploring before committing to a 150%–300% APR loan.

When Integra Credit makes sense

Integra Credit may still be on the table when:

• You face an immediate, essential expense (like a car repair needed to keep your job)
• Every lower-cost option — including credit unions, friends/family, nonprofits, payment plans, and employer advances — has been exhausted
• You have a clear, realistic plan to pay the loan off in a few months, not the full scheduled term

Used this way, Integra becomes a short-term bridge, not a long-term anchor.

How to minimize costs with Integra Credit 

If you’re committed to using Integra Credit, follow these tips to save as much money as possible:

Pay off early (no prepayment penalty)

Because Integra doesn’t charge a prepayment penalty, early payoff is your strongest tool:

• Aim to pay the loan off months ahead of schedule
• Treat it like a temporary bandage, not a multi-year obligation

Every extra dollar you pay toward principal reduces the interest you’ll pay over time.

Make extra principal payments

If you plan to add extra funds:

• Schedule larger-than-required payments
• Consider occasional lump-sum payments when you have surplus cash (for example, tax refunds, bonuses, or side-gig income)

Just making the minimum biweekly payments at a triple-digit APR almost guarantees that most of your money goes to interest.

Call to ensure principal-only payments

Several third-party analyses warn that extra payments may be:

• Applied to future scheduled payments and interest, not directly to principal, if you don’t specify otherwise

To avoid this:

• Call customer service at 855-345-5550
• Clearly request that any extra amount be applied to the principal only
• Ask for written confirmation or check your online account to make sure the balance dropped as expected

Being proactive here can save hundreds or even thousands of dollars over the life of the loan.

Avoid late fees

To minimize hidden costs:

• Track biweekly due dates carefully
• Keep enough in your checking account to prevent NSF/returned payments
• If you’re at risk of missing a payment, call Integra before the due date to see whether any short-term arrangements are possible

Avoiding $15–$30 late fees and NSF charges is essential when your APR is already in the triple digits.

Integra Credit Contact Information

Here are all the ways to contact Integra Credit:

Phone (855-345-5550)

You can reach Integra Credit customer service by phone at:

• 855-345-5550

A fax line, primarily for document transmission, is listed as:

• 312-229-8877

Customer service hours

According to Integra’s contact page, standard customer service hours are:

• Monday through Friday: 8 a.m. – 8 p.m. CT
• Saturday: 9 a.m. – 6 p.m. CT
• Sunday: Closed

If you need help with payments, principal-only instructions, or hardship concerns, you’ll need to call within these windows.

Email support

Integra’s primary support email is:

• support@integracredit.com

Borrowers can also reach the company through its website and online account portal.

Mailing address

Integra lists its main mailing address as:

• Integra Credit 120 S. LaSalle St., Suite 1600 Chicago, IL 60603

This address is used for correspondence, disputes, and other mailed documents related to your account.

Frequently Asked Questions 

Is Integra Credit legit?

Yes. Integra Credit is a legitimate, licensed online lender with:

• An A+ BBB rating and BBB accreditation
• A 3.54/5 customer rating on the BBB site
• A 4.7/5 rating on Trustpilot with thousands of reviews

However, legitimacy does not mean low cost. With APRs commonly in the 149%–399% range, Integra is firmly in high-cost, last-resort territory and has been named in RICO lawsuits and class-action investigations over its lending structure and rates.

What Credit Score do you need?

Integra does not publish a specific minimum credit score, but:

• Borrower stories suggest approvals around 580 and sometimes lower
• The lender is designed for people with bad or limited credit who are shut out by banks and mainstream personal-loan companies

While Integra may be more flexible than prime lenders, lower scores typically mean worse terms within its already high APR range.

How much interest does Integra Credit charge?

Integra’s APRs generally fall between:

• Around 149% and 399% APR, depending on your state, income, loan amount and whether the product is an installment loan or open-ended credit line

Over a 10–21 month term (or longer in some states), this can mean:

• Paying two to four times the amount borrowed if you stick to the standard amortization schedule
• Seeing a very slow principal reduction in the early months

To get a precise sense of cost, you must look at your state-specific disclosure and calculate the total of payments, not just the biweekly amount.

What is my Integra Credit invitation code?

Some borrowers receive marketing offers or pre-screened mailers that contain an invitation code:

• This code typically links your application to pre-screened information or a specific campaign
• Entering it may speed up the application, but it does not guarantee approval or specific terms

If you don’t have a code, you can still apply directly on Integra’s website without one.

How long does funding take?

Once you’re approved and sign your loan documents:

• Integra generally funds by ACH as soon as the next business day
• In some cases, funds may arrive faster if processing and bank timing line up
• Weekends, bank holidays, and verification delays can slow things down

Most Integra Credit reviews describe the funding timeline as fast and reliable.

What states does Integra Credit operate in?

Integra does not publish a single static state list for all products, but public sources indicate that:

• It operates in about 23–25 states
• These include states like Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah, and Wisconsin, among others
• The lender typically targets states that allow high-cost installment lending or support bank-partner models

The only way to know for sure is to:

• Visit Integra’s “Rates and Terms” page
• Start an application and see if your state is currently supported and what terms apply

Is Integra Credit better than a payday loan?

Integra positions its installment loans as a “better” alternative to payday loans, and in some ways:

• Installment loans can be more predictable, with fixed payments over a set term
• Some borrowers may find it easier to repay over time than in a single lump sum

However, Integra’s APRs can still reach payday-like levels, and total repayment over 10–21 months can easily exceed what many one-time payday loans cost when measured in strictly dollar terms.

In most cases, neither Integra nor traditional payday loans is ideal. A credit-union PAL, payment plan, or mainstream personal loan will almost always be a better choice if available.

Final Verdict – Is Integra Credit actually worth it?

With everything we have covered to this point, let’s answer the million-dollar question: Is Integra Credit actually worth it?

Overall rating

Taking into account:

• Very high APRs (149%–399%)
• Legitimate licensing and A+ BBB rating
• Positive Trustpilot reviews for speed and accessibility
• Serious concerns about cost, credit-reporting issues, and legal scrutiny

Integra Credit earns an overall rating of 2.8 out of 5.

Best use case (emergency, quick payoff only)

Integra may be appropriate when:

• You face a genuine emergency, and all lower-cost options are unavailable
• You understand that you’re taking on triple-digit APR debt
• You have a concrete plan to pay off the loan in a few months, far ahead of schedule
• You are prepared to monitor your account closely, insist on principal-only application for extra payments and watch your credit reports

Used this way, Integra acts as a short-term stopgap, not a long-term solution.

Bottom-line recommendation

Integra Credit is legitimate but extremely expensive. It should be treated as a last-resort lender, not a go-to source of cash.

Before you accept an Integra loan, you should:

• Check with credit unions, community banks, employer programs, nonprofits and mainstream online lenders
• Run the numbers on total repayment, not just biweekly payments
• Make sure any extra payments are explicitly applied to principal
• Plan to pay the loan off as quickly as possible

If you have any viable alternative with a lower APR — even a relatively high but double-digit rate — it will almost always be safer and cheaper than taking on Integra’s triple-digit interest for more than a very short period of time.