Integra Credit Personal Loans Review

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Contributor, Benzinga
May 25, 2022

Integra Credit offers personal loans to people with bad credit. While it is not considered a payday lender, its Annual Percentage Rate (APR) puts it in the same category. The loans are ideal for people who need cash in a hurry and don’t have the option of getting a loan from a lender with lower rates.

Integra’s website warns borrowers that it provides an expensive form of credit, so borrowers should be certain that they don’t have access to less-expensive loan products before agreeing to a loan from this company. Integra is a brand name that represents the following lenders:

  •         Deinde Group, LLC
  •         Deinde Financial, LLC
  •         Deinde Online Services, LLC
  •         Integra Credit One, LLC
  •         Integra Credit Two, LLC
  •         Integra Credit Three, LLC
  •         Integra Credit Four, LLC
  •         Integra Credit Five, LLC
  •         Transportation Alliance Bank, Inc. (TAB)
Best For
  • People with bad credit
  • No hard-pull credit check
  • Instant decision and funding the next day
  • High APR rates
  • Only available in some states

Integra Personal Loans Ratings at a Glance

Integra Fees and Rates

APRDepends on the state but ranges from 99.99% to 300.99%
Origination FeeNone
Late FeeDepends on state
Prepayment FeeNone

Integra’s APRs are very high. Your APR will depend on your personal circumstances and the laws of the state that you live in. Integra’s APRs range from 99% to 300%, which is way above the average for a personal loan. 

Integra does not charge an origination fee, which can save borrowers money when taking out a loan. It also allows borrowers the option of paying off the loan early without the burden of a prepayment fee. 

The lender does charge late fees, but the fees are determined by each state the lender operates in. Integra states that before issuing a late fee, it will attempt to work with you to try and get the payment. If you can make the payment, you should expect to pay between $10 to $15 as a late fee.

Integra Customer Service

Integra offices are open Monday to Friday from 8 a.m. to 8 p.m. CT and Saturdays from 9 a.m. to 6 p.m. CT. The lender offers several ways to contact a customer service representative. 

  • Phone number: 855-345-5550
  • Fax number: 312-229-8877
  • Email:
  • Physical address:
    • 120 S LaSalle St
    • Suite 1600
    • Chicago, IL 60603

As a borrower, you will also have access to an online account 24/7. You can log in to make your payment at any time using that online account. Integra Credit does not offer a mobile app, although you can use your phone to access your online account to make payments.  

BBB RatingA+
Trust Pilot Score4.7
Benzinga’s Score3.5
J.D. Power RatingN/A

Integra Terms and Loan Purpose

Integra is based in Chicago and serves clients in many but not all U.S. states. Its express purpose is to offer several types of loans for borrowers with bad credit. With more than 30 years of combined experience in the industry, Integra is building a lending enterprise that aims to disrupt a stagnant lending industry and bring a much-needed flexible and compliant product to the market. Integra Credit has built a cutting-edge consumer lending platform with a sophisticated analytics framework to offer credit products to millions of consumers who need small-dollar personal loans.

Personal Loans

While Integra only does a soft pull on your credit report, that information is enough for it to determine whether or not to grant you a loan. The lender will also take into consideration your job and how much money you make.

When applying for a personal loan with Integra, you must meet the following requirements:

  • Be at least the minimum age to sign a contract in your state
  • Have a valid bank account
  • Have a valid email address
  • Be a resident of the United States
  • Have a steady source of income

You will need to have the following information to complete the online application:

  • Your current address
  • Your email address
  • Your driver’s license or state ID number
  • Your bank account number
  • Your Social Security number

Integra offers personal loans from $500 to $3,000, and the amount that you can borrow will be shown to you once you complete the online application. Once you’re approved, Integra will issue you a loan agreement. The loan agreement outlines all aspects of the loan such as the total loan amount, the APR you will pay, your monthly payment and the dates your payments will be due. You should review this loan agreement carefully before signing it. Once you sign it, you are committed to the loan and the money will be in your bank account the next day.

You can use a personal loan from Integra for anything. You can use it to consolidate your bills, complete home repairs or purchase a car.

You can make payments via the online account that you will have once you become an official borrower with Integra. If you have trouble making your payment, contact the lender and explain the situation. It will offer you a 10-day grace period before attaching any late fees to your loan balance.

Integra lists several other types of loans on its website that all have the same requirements and terms as a personal loan. They are:

  • Bad credit loan
  • Quick loan
  • Installment loans
  • Online loans

Lines of Credit

If you want more flexibility with your loan, a line of credit may be a better option for you. You can use this type of loan like a credit card – the money will be there when you need it, and you won’t be charged interest on the money until you use it.

The application process and requirements are the same as Integra’s personal loan product, but with this type of loan, you will be approved up to a certain amount and can choose to borrow just some or all of it. For instance, you may be approved for $2,000 but decide to only borrow $500 of it.

The APRs and repayment methods are the same as a personal loan. If you are eligible for this type of loan, it will be offered to you once you complete the online application.

Term Options6 – 18 months
Loan Amounts Available$500 - $3,000

You can borrow between $500 and $3,000 from Integra, and this is true whether you take out a personal loan or a line of credit. The term options range from six to 18 months. Both the amount you can borrow and the repayment terms depend on the state you live in, and you will be given the terms and loan amount that you are approved for once you fill out the online application.

Integra Approval Requirements

Minimum Credit Score RequirementNot stated on the website

Integra does not state a minimum credit score requirement on its website, although the lender is known for issuing loans to people with bad credit. The lender does take other things into consideration when deciding whether or not to grant a loan. For instance, it reviews aspects of your employment such as how long you’ve worked at your job and how much you make.

Integra vs. Competitors

Three things make Integra stand out from its competitors. The first is that it can be the last hope for people who have bad credit and find themselves in a financial storm. For instance, if you have bad credit and encounter a medical emergency, you may be able to get the cash you need from Integra. 

Secondly, the lender does not pull your credit report when considering you for a loan. It does what’s called a soft credit pull, which means it will not affect your credit score. This benefit can be important to people who are trying to build their credit because every time a lender does a hard pull on your credit, it causes your score to decrease. 

Finally, Integra reports your good payment practices to TransUnion, a major credit reporting agency. If you consistently make your payments on time, it will help you improve your credit score. 

  • Best For:
    Emergency Loans
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  • Best For:
    $0 Origination Fee
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    *AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose.

  • securely through SoFi Personal Loans's website
    securely through SoFi Personal Loans's website
    Best For:
    No origination fees
    Read Review

    The following payment example depicts the APR, monthly payment and total payments made during the life of a personal loan with a single disbursement. All loan rates below are shown with the autopay discount (0.25%) and direct deposit discount (0.25%). The monthly payment for a $30,000 loan with a 60-month term and a fixed annual percentage rate (APR) between 12.95% – 25.03% would be $681.82 – $881.07 in monthly payments, with total payments between $40,909.47  – $52,864.05. Your actual interest rate may be different than the loan interest rates in these examples and will be based on term of loan, your financial history, and other factors, including your cosigner’s (if any) financial history. Lowest rates reserved for the most creditworthy borrowers. See for details.

    Fixed rates from 8.99% APR to 25.81% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 05/19/23 and are subject to change without notice. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

    Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.

    Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

    Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. or eligible cash management account offered by SoFi Securities, LLC (“Direct Deposit Account”), you must have an open Direct Deposit Account within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled payroll direct deposits of at least $1,000/month to a Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion. This discount will be lost during periods in which SoFi determines you have turned off direct deposits to your Direct Deposit Account. You are not required to enroll in direct deposits to receive a Loan.

  • Best For:
    Consolidating Debt
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Integra Overall

Integra makes it easy for people with bad credit to get a personal loan, but those loans come at a high cost. In this review, Benzinga gives Integra 3.5 stars out of 5. While it does some things well, like saving people’s credit scores by not pulling a hard credit inquiry when they apply for a loan, it also charges APRs that are way above the average rate. 

In short, if you have bad credit and must take out a loan for an emergency, this lender could be your saving grace. But Benzinga doesn’t recommend paying its high APRs if it’s not absolutely necessary.

Frequently Asked Questions


Can I pay off an Integra loan early?


Some lenders charge what’s known as a prepayment fee when you pay off a loan earlier than when it’s scheduled. But Integra makes it easy for borrowers to pay off their loans early because it does not charge a prepayment fee. That means you can save interest by paying off your loan early.


Does Integra Credit do hard inquiries?


If you have bad credit, the last thing you want is for a lender to do a hard inquiry on your credit report. Doing so means your credit score will take a hit. That’s one of the benefits of Integra loans. The lender only does soft pulls that do not affect your credit score.


Is there any way to get a loan with horrible credit?


Getting a loan with bad credit can be difficult, but some lenders specialize in these loans. For instance, Integra Credit issues loans to people with bad credit. But you should know that if you get a loan with bad credit, you are likely to pay much higher APRs than borrowers who have good credit. The good news is that you can use a bad credit loan to improve your credit score by making your payments on time. Just make sure the lender you use reports your good paying habits to one or all of the major credit reporting agencies. 

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