Integra Credit Review: Avoid the High Interest Rates
- Min. Amount
- $500
- Max. Amount
- $3,000
- Turnaround time
- Within minutes
Our verdict
Integra Credit offers installment loans with fast funding, but the high APRs make it a very expensive loan.
Integra Credit offers installment loans between $500 to $3,000, with loan terms ranging from 10 to 21 months. It doesn’t charge prepayment penalties, which is great if you can repay the loan quickly and save on interest. And that’s really the only way this loan makes sense, because if you stick to the repayment schedule, you might pay two or three times more than what you borrowed.
Best for: People who need access to fast funding, can’t find a better option and can pay it back quickly.
Pros
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Fast funding
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Loans from $500 to $3,000
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No prepayment penalties
Cons
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Interest rates as high as 149% to 399%
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Hard credit check required
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Poor customer reviews
Is Integra Credit legit?
Despite Integra Credit’s accreditation by the Better Business Bureau (BBB) and A+ rating, it’s difficult to say if this company is fully legit.
Does it offer loans? Yes.
Does it have a number of satisfied customers? Yes.
But it also charges interest rates up to almost 400%, which is nearly predatory. And it has some pretty serious complaints on both BBB and Trustpilot, with numerous reviewers warning others to avoid the lender.
How Integra Credit compares to other lenders
We currently don't have that product, but here are others to consider:
How we picked theseWhat is the Finder Score?
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
Where Integra Credit falls short
Integra Credit requires you to authorize a credit check when you fill out the initial application. This is different from most lenders which allow you to prequalify and review offers before submitting to a hard credit pull. That way, you can assess the loan’s potential cost before your credit is impacted. Plus, Integra Credit isn’t upfront in telling customers about this requirement — it’s just a checkbox in small print at the bottom of the application.
It’s also concerning that quite a few reviewers said they were approved for a loan and were asked to provide their banking details to receive the funds and set up automatic payments. Shortly after, they were informed that their loan applications were denied, leading many to believe they were tricked into revealing sensitive personal and financial information. It’s impossible to know if these incidents were purposeful, but at the very least, it demonstrates poor customer service.
Plus, Integra Credit’s rates are over-the-top expensive, with the lowest rates starting at 149%. These rates line up with payday loans, but unlike payday loan terms — which are two to four weeks, tops — the terms are drawn out over months or even years, so you could end up paying two or three times more than you originally borrowed. You may be better off searching for similar lenders with lower rate caps.
What makes Integra Credit shine?
Integra Credit doesn’t charge prepayment penalties, so you can pay your loan off early without paying a fee. But that perk, combined with fast funding, isn’t enough to recommend Integra Credit except as a last resort.
Integra Credit loan details
| Minimum credit score/credit range | Not stated — accepts bad credit |
| Loan amounts | $500 to $3,000 |
| Terms | 10 to 21 months |
| Approval turnaround | Within minutes |
| Availability | Available in: 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 |
| Fees |
|
| Other fees | Undisclosed “finance charge” |
Integra Credit contact information
| Phone number | 855-345-5550 |
| Customer service hours | Weekdays: 8:00 a.m. to 8:00 p.m. CT Saturday: 9:00 a.m. to 6:00 p.m. CT |
| support@integracredit.com | |
| Mailing address | 120 S. LaSalle St., Suite 1600, Chicago, IL 60603 |
| @integracredit |
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How to qualify for Integra Credit
Minimum requirements to qualify for an Integra Credit loan are as follows:
- Be a US citizen or permanent resident
- Be of legal age to enter into a contract in your state
- Live in a state where Integra Credit operates
- Have a valid email address
- Have a valid checking account
How to apply
Applying to Integra Credit is straightforward, but be warned that it requires you to authorize a credit check with the initial application.
- Fill out the online application and agree to a credit check.
- Receive your answer in minutes.
- Provide banking details to verify accounts and set up payments.
- Review and sign the agreement.
- Receive funds and follow the bi-weekly payment schedule.
Integra Credit reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 3.54 out of 5 stars, based on 52 customer reviews |
| BBB customer complaints | 8 customer complaints |
| Trustpilot Score | 4.7 out of 5 stars, based on 2,615 customer reviews |
| Customer reviews verified as of | 28 April 2025 |
Integra Credit is accredited by the BBB and has an A+ rating. Many positive reviews say that — although the interest rates are astronomical — the application process was fast and easy and they received funds quickly.
But there are many terrible reviews on the BBB, too. A large number of the complainants state that they were approved for loans and provided their sensitive bank account information, only to then be told they were denied, with no explanation given.
Others say they got the loan but were told it was at a lower rate than they ended up with — and accused the company of bait-and-switch tactics. Many didn’t understand how, after making payments for months and months, they had barely made a dent in their loan balance. Several customers called Integra a scam and predatory.
Furthermore, there are a large number of more recent complaints that center around people claiming there is an unpaid debt on their credit report for Integra Credit, but they never even took out a loan with the company.
The reviews on Trustpilot were similar to the BBB, with many saying they were approved, submitted banking details, then inexplicably denied. Some good reviews stated helpful customer service and fast funding. However, several also suggested this was only a good idea if you couldn’t get a loan anywhere else and could pay it off as fast as possible.
What do people on Reddit say?
Integra credit reviews on Reddit generally express negative experiences with Integra Credit, especially around high interest rates and feeling trapped in debt. In one specific post, a borrower grouped Integra Credit with other “predatory” lenders, warning readers that loans from companies like these can lead to working just to pay off the crushing interest with little progress on the actual principal.
Frequently asked questions
What is my integra credit invitation code?
Your integra credit invitation code is a unique number printed on a mail offer or “loan preapproval” to get a personal loan up to $3,000. However, based on customer reports and the Integra Credit landing page to enter your code, the code mainly directs you to submit personal information for approval. Many people find they are declined afterward suggesting it’s likely more of a lead generation tactic than a guaranteed offer.
Is Integra credit trustworthy?
We can’t recommend Integra as trustworthy with sky-high interest rates, many reviewers warning potential borrowers against Integra loans and others claiming they were pre-approved then denied. It’s also worth noting there are dozens of complaints on the BBB from people noticing Integra credit on their credit report when they never took out a loan with the lender.
What credit score do you need for Integra credit?
The lender doesn’t state a minimum credit score on its website, but it encourages all credit scores to apply.
How much interest does Integra credit charge?
Minimum and maximum interest rates vary by state, but the lowest interest rates start at 149% and max out at nearly 400%.
Your reviews
Lacey Finder
Writer
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