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Integra Credit installment loans review
Borrow up to $3,000 — but only for residents of nine states.
Integra Credit’s installment loans come with clearly outlined terms and a fast turnaround. But you need to live in one of nine states to qualify.Integra Credit’s installment loans come with clearly outlined terms and a fast turnaround. But you need to live in one of nine states to qualify.
Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.
What is an Integra Credit installment loan?
An Integra Credit installment loan is a type of short-term financing available to residents of nine states. Depending on where you live, you can borrow anywhere from $500 to $3,000 — though residents of California can borrow up to $5,000.
The exact terms you’re offered will depend on both your state of residence and personal financial situation. But in general, installment loans from Integra Credit have terms of 6 to 24 months and APRs that range from 99% to 299%.
State
Loan amount
Loan term
APR
Alabama
$2,000 to $3,000
6 to 24 months
99% to 299%
California
$2,600 to $5,000
12 to 36 months
99% to 299%
Delaware
$500 to $3,000
6 to 24 months
99% to 299%
Idaho
$500 to $3,000
6 to 24 months
99% to 299%
Missouri
$500 to $3,000
6 to 24 months
99% to 299%
New Mexico
$500 to $3,000
6 to 24 months
99% to 175%
South Carolina
$700 to $3,000
6 to 24 months
99% to 299%
Utah
$500 to $3,000
6 to 24 months
99% to 299%
Wisconsin
$500 to $3,000
6 to 24 months
99% to 299%
What are the benefits of an Integra Credit installment loan?
There are a few perks of taking out an installment loan from Integra Credit, including:
May improve your credit score. Integra Credit reports your payments to the credit bureaus, which could improve your credit score if you pay on time each month. However, this also means you could face a lower score if you miss a payment or default.
Transparent website. Integra Credit has a detailed page for every state it lends in that lists out how much you can borrow, the APR range and possible loan terms.
Multiple ways to contact customer service. Unlike some other lenders, Integra Credit has an easy-to-find Contact us page on its website that details several ways to contact its customer service team, including by phone, email, fax and mail.
What to watch out for
Consider these potential drawbacks before borrowing from Integra Credit:
Limited state availability. Integra Credit only lends in nine states: Alabama, California, Delaware, Idaho, Missouri, New Mexico, South Carolina, Utah and Wisconsin.
Smaller amounts not available everywhere. Depending on where you live, you could face a minimum loan amount of $2,000 or more.
May receive multiple marketing offers. Integra Credit uses information from your credit report to market refinancing offers and other products to you, which can lead to unsolicited emails and phone calls.
Compare installment loan providers similar to Integra Credit
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Like most short-term financing options, Integra Credit’s installment loans come with high APRs.
Ranging from 99% to 299%, you could end up paying hundreds of dollars in interest — even if you only borrow a small amount over a few months’ time. And larger loans of $2,000 or more can cost over $10,000 if you have the highest APR and longest term.
In general, yes, though no company can ensure all of the information you enter online stays 100% safe. Integra Credit does its part by using a 256-bit SSL encryption system to safeguard your personal details.
Alongside its easy-to-find contact information, it has a standard privacy policy that covers how it collects and shares your personal information as well as how you can limit that sharing. However, Integra Credit may use your credit score — alongside other personal information — to send you marketing materials.
Integra Credit reviews and complaints
BBB accredited
Yes
BBB rating
A+
BBB customer reviews
1.88 out of 5 stars, based on 12 customer reviews
BBB customer complaints
8
Trustpilot score
4.5 out of 5, based on 557 customer reviews
Customer reviews verified as of
16 October 2020
Integra Credit mostly positive customer rerviews. Most customers are happy with the streamlined application process. But several complained that they received a preapproval offer in the mail, only to get denied when they completed the full application. This isn’t unusual, however. Preapproval with any lender doesn’t guarantee you’ll ultimately get offered a loan.
Am I eligible?
To qualify for a loan from Integra Credit, you must:
Have a verifiable bank account and email address.
Be a US citizen or permanent resident.
Be at least 18 years old — 19 in Alabama.
How do I apply?
You can apply for an installment loan either online or over the phone. Follow these steps to apply online:
Visit Integra Credit’s website and click Check loan options.
Create an account by entering your full name, email and phone number.
Select your state of residence and how much you want to borrow.
Read its terms of use and privacy policies. Click Get started.
Complete the form with details about yourself, your income and your bank account.
Click Check my loan options to submit the application.
If you submit your application and it’s approved before 6 p.m. CT, Integra Credit may be able to deposit your funds into your bank account as soon as the next business day. Otherwise, it may take two or more days to get your money.
What information do I need to provide?
Have these details on hand to speed up the application process:
Address
Email
Phone number
Social Security number
Date of birth
Driver’s license or state ID number
Monthly rent or mortgage payment
Monthly income and how often you’re paid
Bank account and routing numbers
I got an Integra Credit installment loan. Now what?
Once you have your loan funds, it’s time to start thinking about repayments. The easiest way is to sign up for autopay from your bank account. This way, you won’t have to worry about making a payment each month.
If you’re late or have insufficient funds in your account, you have a 10-day grace period before Integra Credit charges a late fee. The exact fee you’re charged depends on your state’s laws.
Keep an eye on your bank account and loan balance. If you have any questions or notice something off, reach out to Integra Credit’s customer service team by emailing support@IntegraCredit.com or calling 855-345-5550. Its representative are available Monday through Friday from 7 a.m.–9 p.m. CT and Saturday from 9 a.m.–5:30 p.m. CT.
Bottom line
Integra Credit’s installment loans are ideal if you’re looking for a short-term loan with clearly outlined terms. And since it reports to the credit bureaus, you may even be able to improve your credit score by making on-time payments.
However, it’s not available in all states. And you may not be able to borrow a small amount depending on where you live.
While checking your loan options doesn’t impact your credit score, it might when you submit your final application. Upon completion, you’re giving Integra Credit the right to do a hard credit pull to verify your identity — which could temporarily lower your score.
Integra Credit uses your bank account to confirm your income, deposit your loan funds and withdraw your payments when they’re due. If you don’t have one, browse our guide to no-bank-account loans to learn more about your options.
No, you can pay back your loan at any time or make extra payments without being charged a fee.
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