Integra Credit is a brand name that encompasses three companies that makeup Deinde Group, LLC. These companies offer a variety of financial services, such as loans, savings accounts, investments, and more. The Integra Credit platform is specifically designed to serve borrowers who have difficulty obtaining traditional loans. The application process is straightforward and applicants can apply online, by phone, or in person. All applicants must provide valid identification and proof of income to be considered. With Integra Credit, it’s easier than ever before to access the financial services you need.
Summary Of Integra Credit
Integra Credit is a lender that has been gaining attention lately for its high-interest rates. Before taking out a personal loan, it is important to do research on different lenders and make sure you know the pros and cons of each option. Integra Credit loans are known for their high-interest rates, but they also offer some advantages such as flexible repayment terms and no application fees. Before you decide to go with Integra Credit, it is important to review the terms of the loan and make sure that it will be the best option for your needs. Be sure to compare the rates and terms of other lenders to ensure that you are making the most informed decision.
We did some digging and found some interesting things about their website and terms and conditions. Here are a few of the things that caught our attention.
- 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.
What Is Integra Credit?
Integra Credit is a financial services platform that provides personal loans to borrowers who may not qualify for traditional loans. Founded in 2018 and headquartered in Toronto, Canada, Integra Credit offers an easy-to-use application process and competitive interest rates. They are available to help customers through their toll-free number at (855) 345-5550 or by email at [email protected]. With Integra Credit, you can find the perfect loan solution for your financial needs.
Integra Credit is a highly rated company with an A+ BBB rating. Since it was accredited on 12/21/2018, the company has been consistently meeting customer expectations with an average of 49 customer reviews and 24 complaints closed in the last 3 years. This speaks volumes about its commitment to providing quality services to its customers. Moreover, its BBB rating is a testament to its reliability and trustworthiness in the industry. With such a high rating, customers can be sure that their dealings with Integra Credit will be safe, secure, and satisfactory.
Integra Credit Pros and Cons
Before opting for a loan from Integra Credit, it is essential to weigh up the advantages and disadvantages of the financial product.
- Accepts bad credit
- No origination fees
- No prepayment fees
- Fast funding: Funding in as little as 1 business day
- 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 is an online lender that offers quick access to funds for customers who may not qualify for traditional loans. The application process is straightforward and the interest rates are competitive. However, it is important to be aware of the risks associated with unsecured loans and the potential to sign up for higher interest rates. Customers should research various lenders and loan options before making a decision in order to ensure they are getting the best deal possible. Overall, Integra Credit is a great option for those who need access to funds quickly.
The Requirements And Application Process For Integra Credit Loans
- Credit score: Integra Credit does not disclose a minimum credit score requirement for their personal loans, but they state on their website that they consider people with bad credit. In addition, they do not do a “hard pull” of your credit during the application process.
- Age: To qualify for an Integra Credit personal loan, you must be 18 years old or older.
- Citizenship: You must be either a U.S. citizen or a permanent resident of the U.S.
- Identification: You must have a Social Security number. You’ll also need to have a bank account in the U.S. Most importantly, you’ll need to live in one of the 26 states in which Integra Credit offers loans.
- Income: Integra Credit does not state a minimum income requirement.
- Pre-qualification: Integra Credit does allow you to pre-qualify for a loan without affecting your credit score. But the point is kind of moot considering they don’t do a credit check when you apply. So you can apply and then accept or reject your loan offer all without hurting your credit score.
- Ways to apply: To submit a loan application, use the online form or call 855-345-5550.
- Joint loans: Integra Credit only has individual applications; they do not accept joint applications.
Integra Credit: How Does It Work?
Applying for a personal loan online with Integra Credit is a quick and convenient process. All you need to do is provide basic information such as your name, address, Social Security number, and income. Once you have submitted your information, Integra Credit will provide you with an instant decision, allowing you to know immediately if your loan has been approved. With Integra Credit, you can be sure that your personal information is secure and that you will be provided with a competitive rate.
Once the lender has all of the necessary information from you, they will be able to review it and decide if they are willing to give you a loan. Before signing any loan agreement, it is important to read and understand all of the fees and interest charges that apply. Make sure you know exactly what you are agreeing to and what the terms of the loan are. It is also important to ensure that you can afford the loan and make all of your payments on time. By doing the due diligence up front, you can ensure that the loan is a good fit for your financial situation.
If you have been approved for a loan by Integra Credit, you can expect the funds to be directly deposited into your bank account. This is the most convenient way of receiving your loan funds, as you can then use them to pay back just as you would with any other type of loan. For added convenience, you can also choose to pay back your loan early as of deposit.
What Are The Requirements For Integra Credit?
Integra Credit offers personal loans to those who meet certain eligibility requirements. To be eligible for a loan, applicants must be 18 years of age or older, and meet their state’s minimum age requirement if it is higher. Additionally, applicants must have an annual income of at least $24,000 to qualify for an installment loan. Only employed individuals and those who meet the income requirement will be considered for a full installment loan. Meeting these requirements is the first step to potentially obtaining a loan from Integra Credit.
Evidence that could be needed for someone to be eligible as a candidate includes:
See If You Qualify for Credit Card Relief
See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.
- Active and valid personal checking account
- Proof of income
- Recent bank statements
- Proof of identity
Integra Credit Reviews By The BBB
Integra Credit is an excellent choice when looking for a reliable lender. The company has been accredited by the Better Business Bureau since 2018, and customers have consistently rated the service highly with 3.45 out of 5 stars. In the past 3 years, Integra Credit has only had 24 complaints closed, which is a testament to its commitment to excellent customer service. With their high ratings and strong customer satisfaction, Integra Credit is a great choice for anyone looking for a reliable lender.
Integra Credit FAQs
How much does Integra Credit charge?
Integra Credit offers loans of $500 to $3,000 with Annual Percentage Rates (APRs) from 99% to 399%. Borrowers may be charged an interest rate or a late payment fee of up to $15 for each missed monthly payment, which is triggered when the payment is 10 days late.
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 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.
What Is The Truth About Integra Credit?
Integra Credit has been providing quality financial services to customers since 2012, receiving an A+ rating from the BBB. Customers and employees generally have positive experiences with Integra Credit, but there are some mixed reviews online as well. When considering a loan, it’s important to do your research and compare rates from different lenders. Be sure to read customer reviews to make the best choice for you and to avoid taking out a loan that you can’t afford. With Integra Credit, customers can be confident that they are getting a quality financial service that is trustworthy and reliable.
Integra Credit Review
Since 2012, Integra Credit has offered reliable financial services, and the Better Business Bureau has given them an A+ rating. Since 2018, the company has been approved, and happy customers have reviewed it. Some customers, however, have had negative experiences, resulting in mixed reviews online.