Deinde Group, LLC, Deinde Financial, LLC, and Deinde Online Services, LLC are all companies that operate under the Integra Credit brand name. There are a variety of personal loan options offered by this company for those with bad credit or who need a line of credit. Their website can be found at integracredit.com, where they advertise their services.
If you are considering taking out a personal loan, there are some factors to consider, and with so many lenders available, it can be difficult to decide where to turn. Recently, Integra Credit has received a great deal of attention. Is this lender the right choice for you? Let’s take a closer look at what they have to offer so that you can make an informed decision.
Our research revealed some interesting information about their website and terms and conditions. Some of the things that caught our attention are listed below.
- Interest rates on personal loans typically range from 5% to 36%.
- The APR ranges from 99% to 399%.
- The loan amount ranges from $500 to $3,000
- The company offers loans with terms of up to 24 months.
- Deinde Financial, LLC is responsible for the servicing of all loans.
- Creditworthiness and state law determine the amount and terms of loans and credit lines.
The following states offer Integra Credit branded loans: Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota, and Texas. TAB Bank, a subsidiary of Transportation Alliance Bank Inc, makes these loans.
Integra Credit: What is It?
Integra Credit is a non-bank financial institution that provides personal loans to its customers. In 2014, Deinde Financial LLC, the company behind Integra Credit, was founded in Chicago, Illinois. Alternatively, you may contact them by email at [email protected] or by calling (855) 345-5550.
In addition to having an A+ rating from the Better Business Bureau, Integra Credit is a top-rated company. In the last three years, it has received an average of 49 customer reviews and 24 complaints have been resolved.
How Does This Company Work?
You can apply for a personal loan online with Integra Credit quickly and easily. Information such as your name, address, Social Security number, and income will be requested.
The lender will be able to determine whether or not to extend you a loan after receiving this information. You should thoroughly understand all of the fees and interest charges associated with any loan contract before signing it.
The funds will typically be deposited directly into your bank account if you have been approved for a loan by Integra Credit. The funds can then be used as you would with any other type of deposit.
How To Qualify For Integra Credit
Applicants for Integra Credit personal loans must be at least 18 years of age or meet their state’s minimum age requirement, whichever is higher. In addition, applicants must have a minimum annual income of $24,000 to qualify. Loans will only be considered for employed individuals who meet this income requirement.
For an individual to qualify as an applicant, the following documentation may be required:
- A personal checking account that is active and valid
- Income proof
- Statements from recent banks
- Identification proof
Integra Credit Reviews
Since 2018, Integra Credit has been an accredited member of the Better Business Bureau and has been rated highly by the BBB as a highly rated company. Over the past three years, it has received an average customer rating of 3.1 out of 5 stars, and there have been 24 complaints that have been resolved.
Here are some reviews:
Cindy B 10/29/2022
Carolyn J 09/20/2022
Julio A 08/20/2022
Cheryl C 08/22/2022
Shanice H 08/10/2022
Rachel D 07/13/2022
How Much Does Integra Credit Charge?
Integra Credit provides personal loans for amounts ranging from $500 to $3,000 with Annual Percentage Rates (APRs) varying from 99% to 399%. In the event of a missed payment that is more than 10 days late, borrowers could be subject to a late payment fee of up to a maximum of $15.
Is There Any Pre-Payment Penalty?
In addition, Integra Credit offers loans without prepayment penalties, allowing you to pay off your loan sooner than originally scheduled without incurring any additional fees. Furthermore, there is no origination fee associated with personal loans.
How Does It Affect Your Credit?
To make an informed decision regarding applying for a loan, it is important to understand what the process entails and what impact it may have on your credit score.
There is a good chance that most lenders will do a soft credit pull upfront so they can provide you with an idea of the interest rates and loan terms you may qualify for. Your credit score won’t be affected.
The lender, however, will need to do a hard credit inquiry once you decide to proceed with the loan application to obtain a full understanding of your credit history and to offer you a final rate. Your credit score will be lowered as a result of these hard inquiries.
How To Cancel Integra Credit?
Before applying for a personal loan, it is important to be certain of your decision, as once the funds have been disbursed into your account, it is not possible to reverse or cancel the transaction. As a result, cancellations and changes can be avoided in the future.
There can be a real challenge in making ends meet. You may find some of these tips helpful in getting back on track.
To get your finances in order, you can take a few steps.
- Start by creating a budget and sticking to it. Staying on track and making better spending decisions will be easier if you do this.
- You may also speak with a financial advisor who can help you understand your options and develop a plan that works for you.
- Last but not least, if you’re already in debt, don’t worry about it too much. It is not uncommon for companies to work with customers to create a more manageable payment plan. For more information, contact their customer service team.
Integra Credit: Is It Legit?
For more than eight years, Integra Credit has earned the respect of many of its customers by providing reliable financial services. Earning an A+ rating from the BBB, they’ve been accredited ever since 2018 and a majority of users are content with their experience. Nevertheless, there have been a few cases where customers weren’t as satisfied with their service, which can be seen in some mixed reviews online.
The use of loans is a great way to finance large purchases or to cover unexpected expenses. It is important to do your research and compare rates from different lenders before taking out a loan. It is important to read customer reviews before deciding so that you can select the best option for you. As a result, you will be able to avoid taking out a loan that you cannot repay.