Integra Personal Loans Review (2026): What You Need to Know

Quick take: Integra Credit offers short-term personal loans for smaller amounts, catering to borrowers with lower credit scores.

MoneyLion offers a service to help you find personal loan offers. Based on the information you provide, you can get matched with offers for up to $100,000 from our top providers. You can compare rates, terms, and fees from different lenders and choose the best offer for you.

Pros & Cons 

Pros 

• Loan funding could arrive as soon as the next day

• Most lending decisions are made instantly

• No origination fee or prepayment penalty

Cons 

• Very high interest rates

• Not available in every state

• Relatively short repayment terms

Company Overview 

Integra Credit is a Chicago-based online lender that caters to borrowers with less-than-perfect credit scores. 

The company functions as a direct lender, meaning it funds the loans itself. 

Key Features 

Interest Rates 

Integra personal loans have interest rates ranging from 149% to 399%, with the exact APRs varying from state to state. These rates are quite high, and if you have a good credit score, you’ll likely qualify for a lower rate through another lender. 

No matter which lender you choose, the interest rate you’ll pay to borrow money depends on your overall financial picture, including your credit score and debt-to-income (DTI) ratio. Lenders view lower credit scores and higher DTIs as more of a liability and give those borrowers higher interest rates to compensate for the additional risk they’re taking on to lend to them. Since Integra Credit focuses on borrowers with subprime credit, it’s not surprising that its rates are high.

Loan Amounts 

Integra Credit offers personal loans from $500 to $3,000, though some states have different loan sizes. 

Repayment Terms 

As with Integra’s personal loan interest rates and loan amounts, the exact repayment terms can vary depending on your state of residence, but in general, the range is 10 months to 21 months. 

It’s not uncommon for lenders that focus on lower-credit borrowers to have shorter loan terms, but it’s worth noting this relatively limited repayment term range in case you need more time to pay a loan back.

Funding Speed 

Integra says most customers get a decision on their application within minutes, and for those who are approved, funding can happen as soon as the next day. 

Costs & Fees

There are no origination fees on Integra personal loans. There’s also no prepayment fee, so you can pay off your loan early without facing an extra charge. However, the lender does charge a late fee of $15 if your payment is not made in full within 10 days of its scheduled due date. 

Eligibility Criteria

Since Integra caters to borrowers with less-than-stellar credit, there isn’t a minimum credit score requirement. To apply for a loan, you’ll need to provide the following:

• Your name, address and Social Security number

• Income details

• Checking account information

Additionally, Integra Credit only operates in the following states:

• Alabama

• Arizona

• Arkansas

• California

• Delaware

• Florida

• Idaho

• Indiana

• Kansas

• Kentucky

• Louisiana

• Michigan

• Minnesota

• Mississippi

• Missouri

• Montana

• Nebraska

• New Mexico

• Ohio

• Oklahoma

• Oregon

• South Carolina

• South Dakota

• Tennessee

• Texas

• Utah

• Wisconsin

How To Apply 

Here are the steps for getting a personal loan through Integra Credit:

1. Create an account with the lender.

2. You’ll be asked how much money you’re looking to borrow, your state of residence and other details.

3. After creating your account and providing the requested details, you’ll submit your application and authorize a credit check.

4. Integra offers a decision within a few minutes of applying in most cases. 

5. If your application is accepted, review your borrowing terms. If you’d like to move forward, sign the agreement and wait for your funds to arrive.

Comparable Options 

To give you a better sense of how Integra personal loans stack up, we compared the lender to two other options: OppLoans and Upgrade loans.*

OppLoans

OppLoans is an apples-to-apples alternative to Integra loans, as it caters to lower-credit borrowers and offers similar terms and loan amounts. That said, OppLoans does have significantly lower interest rates, and it also lets you borrow up to $5,000 vs. up to $3,000 with Integra. Its repayment terms top out at 18 months, which is three months less than Integra allows.

Upgrade

Compared to Integra and OppLoans, Upgrade personal loans require a slightly higher credit score. It doesn’t list a hard minimum score on its website, but it cites 580 as a minimum target when applying for personal loans. If your score is in that ballpark, you could qualify for a lower rate, as evidenced by Upgrade’s significantly lower APR range. This lender also lets you borrow up to $50,000. However, it does charge an origination fee on all loans.

When OppLoans might be better: You have a less-than-perfect credit score but want to get the lowest rate possible; you need to borrow more than $3,000

When Upgrade might be better: You have a fair credit score; you need to borrow more than $5,000 

Who It’s Best For 

Integra personal loans are best for those just starting out with credit or working on repairing their credit scores. Its eligibility requirements are pretty flexible, so it could be a good choice if you’ve been rejected by other lenders with strict credit score minimums. But if you need to borrow more than $3,000, you’ll need to look elsewhere.  

If you’re not sure whether your credit score is good enough to secure a lower rate, it could be worth checking your rates with lenders that offer prequalification so you won’t damage your credit score by applying. Integra doesn’t offer a prequalification option, so it could be a good backup option after exploring other lenders.

Final Take 

If you’re having trouble getting approved for a personal loan, Integra Credit’s flexible eligibility requirements could make it a worthwhile option. That said, if your credit score is fair or higher, you could find a lower rate elsewhere. No matter what, we always recommend comparing your options across lenders before settling on a specific personal loan option.

FAQs 

Are Integra Credit loans legit?

Yes, Integra is a legitimate lender that’s accredited by the Better Business Bureau. It also has a high score on the consumer review site Trustpilot.

Is Integra Credit easy to get approved for?

Yes, Integra Credit is generally easy to get approved for, as its loans cater to borrowers with lower credit scores.

What type of loan does Integra Credit offer?

Integra offers personal loans for relatively short repayment terms. They can be used for a variety of things, including debt consolidation, emergency expenses and other unexpected costs.

Sources

• https://www.integracredit.com/ - Official Integra Credit website

• https://www.opploans.com/ - Official OppLoans website

• https://www.upgrade.com/ - Official Upgrade website