Integra Credit Review: Avoid the High Interest Rates

Is Integra Credit legit?

Despite Integra Credit’s accredation 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 this predatory lender.

Where Integra Credit falls short

It doesn’t seem right that Integra Credit requires you to authorize a credit check when you fill out the initial application. In most cases, lenders allow you to prequalify and review your 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.

Finally, the rates charged by Integra Credit are over-the-top expensive, with the lowest rates starting at 149%, meaning that’s the best rate you could get. 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?

It’s good that 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

Calculate your monthly loan payment

Use our loan calculator to compare monthly payments based on different interest rates and loan terms.

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.

1. Fill out the online application and agree to a credit check.
2. Receive your answer in minutes.
3. Provide banking details to verify account and set up payments.
4. Review and sign the agreement.
5. Receive funds and follow the bi-weekly payment schedule.

How Integra Credit compares to other lenders

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Name	Product USFSL	Filter Values	Loan amount	Turnaround time	Requirements
Cleo Finder Score: 4.1 / 5: ★★★★★ Cleo Finder Score: 4.1 / 5: ★★★★★			Up to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteMore Info Compare	loading Fetching your data...
EarnIn Finder Score: 4.7 / 5: ★★★★★ EarnIn Finder Score: 4.7 / 5: ★★★★★			Up to $750 per pay period, but only $150 per day	1 to 3 business days or instant for a fee	Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work	No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.	Go to siteMore Info Compare	loading Fetching your data...
OppLoans Installment Loans Finder Score: 4.7 / 5: ★★★★★ OppLoans Installment Loans Finder Score: 4.7 / 5: ★★★★★			$500 to $4,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WA, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to siteMore Info Compare	loading Fetching your data...
Dave ExtraCash Finder Score: 4.2 / 5: ★★★★★ Dave ExtraCash Finder Score: 4.2 / 5: ★★★★★			Up to $500	Up to 3 business days or instant for a fee	At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account	Borrow up to $100 to avoid hefty overdraft fees.	Go to siteMore Info Compare	loading Fetching your data...
LendYou Short-term Loans Finder Score: 2.5 / 5: ★★★★★ LendYou Short-term Loans Finder Score: 2.5 / 5: ★★★★★			Up to $1,000 for payday loans and up to $5,000 for installment loans	1 business day	$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+	Get offers from potential lenders in minutes by filling out just one online form.	Go to siteMore Info Compare	loading Fetching your data...
Fast5kLoans Short-term Loans Connection Service Finder Score: 0.2 / 5: ★★★★★ Fast5kLoans Short-term Loans Connection Service Finder Score: 0.2 / 5: ★★★★★			$100 to $35,000	As soon as the next business day	Regular source of income, Verifiable bank account, US citizen, Ages 18+	Get connected with multiple lenders you might qualify with — even if you have bad credit.	Go to site Compare	loading Fetching your data...

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Integra Credit reviews and complaints

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.

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.