Integra Credit is a financial services company that offers personal loans and lines of credit to consumers looking for a line of credit, including those with bad credit. Deinde Group, LLC, Deinde Financia, LLC, and Deinde Online Services, LLC are the three companies that operate under the Integra Credit brand name. They advertise their services through integracredit.com.
Integra Credit Summary
When taking out a personal loan, it is important to compare different lenders to find the best option for you. Integra Credit is one lender that has been receiving a lot of attention recently. Here is a closer look at what they have to offer so that you can make an informed decision.
Some of the interesting things that caught our attention when reading through their website and terms and conditions are:
- Personal loan interest rates generally range between 5% and 36%.
- APRs range from 99% to 399%.
- Loan amounts start at $500 and go up to $3,000.
- Their loan terms go 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.
You can get an Integra Credit loan in many states across the country, such as Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota, and Texas. The loans are made by Transportation Alliance Bank Inc dba TAB Bank.

What is Integra Credit?
Integra Credit is a provider of personal loans to consumers. Deinde Financial LLC, the company behind Integra Credit, was founded in 2014 and is headquartered in Chicago, Illinois. You can reach them at (855) 345-5550 or by email at [email protected]
Accredited since 2018, Integra Credit has an A+ Better Business Bureau rating and an average of 49 customer reviews. It has closed 24 complaints in the last 3 years.
How does Integra Credit work?
Integra Credit offers a fast and convenient online personal loan application process. You will have to provide some basic information such as your name, address, Social Security number, and income and you’re on your way to getting the funding you need.
After you have provided this data, the lender will be able to decide whether or not they are willing to give you a loan. You must comprehend all of the fees and interest rates that may come with the loan before signing any contract.
Once your loan request is approved by Integra Credit, the funds will be transferred to your bank account. You can use these funds as you would with any other type of deposit.
How to qualify for Integra Credit?
To apply for a personal loan with Integra Credit, you must be at least 18 years of age. Some states have a higher minimum age requirement, so please check your state’s requirements. You must also have a minimum annual income of $24,000 or above. Only employed individuals who meet this income requirement will be considered for a loan.
To qualify as an applicant, individuals may need to provide the following documents:
- Active and valid personal checking account
- Proof of income
- Recent bank statements
- Proof of identity
Integra Credit BBB Reviews
Integra Credit has been accredited by the Better Business Bureau since 2018 and has an average customer rating of 3.1 out of 5 stars. They have had 24 complaints closed in the last 3 years.
Below are some Integra Credit BBB reviews:
Cindy B 10/29/2022
Great friendly company, with fast deposits. Yes, the interest is high but if it’s for a quick fix and you can pay it back fast, it’s great.
Carolyn J 09/20/2022
They do actually as they tell you they’re doing…I like this company very much and always on time with the money.
Julio A 08/20/2022
Great to deal with them, very trustworthy, good and fast service and money are available sooner than you think.
Cheryl C 08/22/2022
They get a whole lot of personal information then deny you after a pre-approved letter don’t trust this seems like a big scam
Shanice H 08/10/2022
Nooo!!!! if I knew what I know now I wouldn’t have done it.!!!They charging more on the interest than they loan is sad very sad. . I DON’T RECOMMEND ANYONE **** TO THEM !! AT ALL.
Rachel D 07/13/2022
Just like many of the REAL reviews posted, I have been strung along and duped by Integra. They initially approved me for a loan and offered me a higher rate than I originally requested. After several days of Silence, I received an email requesting pay stubs and bank statements. I more than meet the criteria so I thought, ok no problem. In 3 days’ letter, I received a denial. It is very strange that I got approved on one end (and offered a higher amount) and then denied a week later for no understandable reason stay far away unless you want to completely waste your time!
Integra Credit FAQs

How much does Integra Credit charge?
Integra Credit, offer loans ranging from $500 to $3,000. Their Annual Percentage Rates (APRs) start at 99% and go up to 399%. Their late payment fee is charged at $15, triggered when the payment is 10 days late.
Are there any pre-payment penalties?
Integra Credit does not charge any prepayment penalties or origination fees. If you wish to pay off your loan faster than what was originally scheduled, you can do so with no extra cost.
How does Integra Credit affect your credit?
No matter what your financial goals are, taking out a loan can be a helpful way to get the money you need. But it’s important to understand the process and what impact it may have on your credit score.
Lenders will often do a soft credit pull before giving you an idea of the interest rates and loan terms you may be qualified for. This helps them to assess your creditworthiness and doesn’t impact your credit score.
The decision to apply for a loan can be a difficult one, but it is important to consider all of your options. Once you have decided 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 you final rates. A hard inquiry will lower your credit score.
How to cancel Integra Credit?
Before you apply for a personal loan, be sure that you are confident in your decision. Once the funds have been dispersed into your account, you will not be able to reverse or cancel the transaction. Doing so beforehand can avoid any cancellations or changes further down the road.
Money management can be tough, but these tips can help you get your finances back on track.
- Making and sticking to a budget is one of the best ways to stay on track with your spending and make wiser choices with your money. By setting a budget and sticking to it, you can better control your finances and avoid overspending.
- You can speak with a financial advisor who can help you understand your options and develop a plan that works for your unique circumstances. Or, you can explore different options on your own.
- There’s no need to stress out about being in debt. Lots of companies are willing to work with customers to come up with a more manageable payment plan. So just get in touch with their customer service team for more info.
Is Integra Credit legit or a scam?
Integra Credit has been providing financial services to its customers since 2012. During that time, they managed to get an A+ rating from the Better Business Bureau, where they have been accredited since 2018. The customer reviews are mixed, with some satisfied customers leaving positive reviews and others sharing their negative experiences online.
There are a few things to consider before taking out a loan. Doing your research and shopping around for the best rate is important. Make sure you read customer reviews to get an idea of what you’re getting into. It’s also crucial to make sure you can afford the loan payments. Taking out a loan can be a great way to finance big purchases or cover unexpected expenses, but only do so after carefully considering all your options.
If you have worked with integracredit.com in the past, we would love to hear about your experience in the comments!
Thank you for reading! We hope this review was helpful.