Integra Credit is the umbrella brand of three companies owned by Deinde Group, LLC. These companies offer a variety of financial services including loans, savings accounts, investments, and more. Integra Credit is designed to provide financial options to people who may not qualify for traditional loans. The application process is simple and efficient and can be done online, by phone, or in person. All applicants must provide valid identification and proof of income to be considered for a loan. With Integra Credit, anyone can have access to the financial help they need.
Summary Of Integra Credit
Integra Credit is a lender that has been gaining a lot of attention due to its high-interest rates. Before taking out a loan with them, it’s important to understand what they have to offer and if it is the right choice for you. Integra Credit offers short-term loans with flexible repayment options, making them attractive to those who may not be able to secure a loan from a traditional lender. They also have a fast, online application process and the ability to receive funds quickly. While the high-interest rates are something to consider, the convenience and flexibility of their loans make Integra Credit an attractive option for those who are looking for a personal loan.
We conducted some research and discovered some intriguing details about their website and rules. A few of the aspects that stood out to us are listed below:
- Personal loan interest rates typically range between 5% and 36%.
- APRs range from 99% to 399%.
- Loan amounts start at $500 and go up to $3,000.
- It offers loans with terms of up to 24 months.
- All loans are serviced by Deinde Financial, LLC.
- The actual amount and terms of loans and lines of credit vary based on creditworthiness and state law.
Integra Credit: What Is It?
Integra Credit is a financial services platform that makes it easy for borrowers to apply for personal loans, even if they don’t qualify for traditional loans. Established in 2018 and based in Toronto, Canada, Integra Credit offers a user-friendly application process and competitive interest rates. If you would like to learn more about Integra credit personal loan or about their services, you can contact them at (855) 345-5550 or via email at [email protected].
Integra Credit is a top-rated company with an A+ BBB rating. It has been accredited since 12/21/2018 and the company has an average of 49 customer reviews and 24 complaints closed in the last 3 years.
Integra Credit Benefits And Drawbacks
As with any financial product, there are both benefits and pros and cons to consider before taking out a loan with Integra Credit:
Benefits
- Accepts bad credit
- No origination fees
- No prepayment fees
- Fast funding: Funding in as little as 1 business day
Drawbacks
- Very high APRs: 99% – 300%
- Small loans amount: $500 – $3,000
- Late fee (amount depends on state)
- No joint applications
- Only available in 26 states
Integra Credit offers a great alternative for customers who need quick access to funds and may not be able to qualify for traditional loans. The application process is straightforward and the interest rates are competitive compared to other short-term loan lenders. However, borrowers should be aware of the potential pitfalls of taking out an unsecured loan and the potential to sign up for higher interest rates. That being said, Integra Credit is a great option for customers who need quick access to funds.
Requirements And Application Information For Integra Credit Loans
- Credit score: There is no minimum credit score requirement for Integra Credit’s personal loans, but they state on their website that they consider people with bad credit. In addition, they do not pull your credit before you apply.
- Citizenship: Citizenship or permanent residency in the U.S. is required.
- Identification: Having a Social Security number and a U.S. bank account is required, as is living in one of Integra Credit’s 26 lending states.
- Income: Minimum income requirements are not stated by Integra Credit.
- Pre-qualification: You can pre-qualify for a loan with Integra without affecting your credit score, but the point is moot since they don’t do a credit check when you apply.
- Ways to apply: Use their online application form or call 855-345-5550.
- Joint loans: Joint applications are not accepted by Integra Credit; they only accept individual applications.
How Does Integra Credit work?
Integra Credit makes applying for a personal loan quick and easy. All you have to do is provide basic information such as your name, address, Social Security number, and income. After the lender reviews your information, they will decide if they can offer you a loan. Before signing the loan contract, make sure you understand all the fees and interest charges that are included. Applying for a loan with Integra Credit is simple and fast, so you can get the money you need right away.
If you have been approved for a loan through Integra Credit, you can expect the funds to be deposited directly into your bank account. This makes it easy to pay back the loan in the same way you would with a traditional loan. You can also choose to pay back the loan early, as soon as the funds have been deposited into your integra credit employees account. This makes the repayment process even more convenient and manageable. Integra Credit makes it easy to borrow and repay what you need.
Integra Credit: What Do You Need To Do To Qualify?
Integra Credit offers personal loans to those who meet certain requirements. First, applicants must be at least 18 years of age or the minimum age requirement mandated by their state – whichever is higher. Secondly, applicants must have a minimum annual income of $24,000 or above to be eligible for an installment loan. Only employed individuals who meet this income requirement will be considered for a full installment loan. Those who do not meet these requirements may still be eligible for a short-term loan but will be subject to different terms and conditions.
Evidence that is needed for someone to be eligible for application could include:
- Active and valid personal checking account
- Proof of income
- Recent bank statements
- Proof of identity
Integra Credit Reviews By The BBB
Integra Credit is a highly-rated company with an impressive track record of customer satisfaction. The Better Business Bureau accredited the company in 2018 and it has maintained very high interest rates an average customer rating of 3.45 out of 5 stars since then. The company has had 24 complaints closed in the past 3 years, which is a testament to its dedication to customer service. Overall, Integra Credit is a trusted company that customers can rely on for financial services.
Integra Credit FAQs
How much does Integra Credit charge?
Integra Credit offers loans ranging from $500 to $3,000 with Annual Percentage Rates (APRs) from 99% to 399%. If a borrower misses a monthly payment, they may be charged an interest rate and a late payment fee of up to $15. The late payment fee will be triggered if the payment is 10 days late. With Integra Credit, borrowers can access the funds they need in a timely manner.
Are there any pre-payment penalties?
Integra Credit offers loans with no prepayment penalties, so you can pay off your loan faster than originally scheduled without paying any extra fees. In addition, there is no personal loan origination fee.
How does Integra Credit affect your credit?
Before you decide to apply for a loan, it’s important to understand the process and what impact it may have on your credit score.
Most lenders will do a soft credit pull upfront to give you an early idea of the interest rates and loan terms you may be qualified for. This won’t affect your credit score.
However, once you decide to go ahead with the loan application, the lender will need to do a hard credit inquiry to get a full view of your credit history and offer to pay you final loan amounts at rates less interest only.
At Integra Credit, you can apply for a loan having bad credit 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.
How To Cancel Integra Credit?
It is important to be absolutely certain of your decision before applying for a personal loan, as once the funds for an emergency loan have been approved and the money dispersed into your account, it is not possible to reverse or cancel the transaction. This way you can avoid any cancellations or changes down the line.
Is Integra Credit legit or a scam?
Integra Credit has been providing quality financial services since 2012 and has received an A+ rating from the BBB. The company has been accredited since 2018 and has consistently received positive reviews from customers and employees. However, some customers and employees have had negative experiences which are reflected in mixed reviews online. Integra Credit strives to make sure its customers have the best experience possible, so any customer or employee who has had a negative experience is encouraged to reach out and be heard.
Loans can be a great way to finance big purchases or cover unexpected expenses. But before you take out a loan, it’s important to do your research and compare rates from different lenders. Be sure to read customer reviews so you can choose the best option for you. This way, you can avoid taking out a loan that you can’t afford.
