Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Integra Credit is a brand name that encompasses the three companies that makeup Deinde Group, LLC: Deinde Financial, LLC, Deinde Online Services, LLC, and Deinde Group, LLC. All three companies offer a range of financial services, such as loans, savings accounts, investments, and more.



Integra Credit is a platform designed to provide loans to borrowers who may have difficulty obtaining loans from traditional lenders. The application process is fast, easy and convenient, with applicants able to apply online, by phone, or in person. All applicants must provide valid identification and proof of income to be considered for a loan. The Integra Credit platform is a great option for those with limited access to traditional lending options, due to their credit score, income, or other factors.

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Introducing Integra Credit: What Is It?

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Integra Credit is a financial services platform that offers personal loans to borrowers who may not qualify for traditional loans. Founded in 2018 and headquartered in Toronto, Canada, Integra Credit provides borrowers with a streamlined and efficient application process, as well as competitive interest rates. The company’s goal is to help individuals obtain the funds they need and to provide them with the best financial services experience. If you have any questions about Integra Credit’s personal loan program, you can contact them at (855) 345-5550 or by email at [email protected].

Integra Credit is a top-rated company with an A+ BBB rating. It has been accredited since 12/21/2018 and the company has an average of 49 customer reviews and 24 complaints closed in the last 3 years.

Integra Credit Summary


Integra Credit is a popular choice when it comes to personal loans, but one should be aware of the high-interest rates associated with this lender. It is important to do your research and compare Integra Credit to other lenders to determine if it is the right fit for your needs. Integra Credit offers competitive rates, flexible repayment options, and fast processing times. Additionally, the application process is quick and easy, so you can have your loan quickly. It is important to weigh the pros and cons of Integra Credit to decide if it is the best fit for your financial needs.

We conducted research and uncovered some captivating details concerning their website and regulations. Below are a few of the points that we noticed:

  • 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’s Good And What’s Bad About Integra Credit

Prior to obtaining a loan from Integra Credit, it is essential to weigh the advantages and disadvantages to make an informed decision as with any other financial product:

The Good

  • Accepts bad credit
  • No origination fees
  • No prepayment fees
  • Fast funding: Funding in as little as 1 business day

The Bad

  • 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 a great choice for those needing quick access to funds, with a simple application process and competitive interest rates. However, there are risks to taking out an unsecured loan and the potential for higher interest rates.

How Does Integra Credit Work?

Applying for a personal loan online with Integra Credit is quick and straightforward. All you need to provide is some basic information, such as your name, address, Social Security number, and income. After submitting the information, the lender will review it and decide if a loan can be extended to you. Before signing the full loan agreement or contract, it is important to be aware of the fees, charges, and interest rates that come with the loan. This will help you make an informed decision and ensure that you pick the loan that is best suited to your financial needs.

If you’ve been approved for a loan from Integra Credit, the funds will usually be deposited directly into your bank account, allowing you to access it quickly and conveniently. You also have the option of paying back the loan early, which can help you save on interest and fees and make the loan more affordable in the long run. All in all, Integra Credit offers a fast and convenient way to get the funds you need and pay back your loan on your own terms.

Requirements And Application Info For Integra Credit Loans

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  • 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.

What Are The Qualifications For Integra Credit?

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Integra Credit requires applicants to be at least 18 years of age, or meet the minimum age requirement in their state, in order to be eligible for a personal loan. Additionally, applicants must have a minimum annual income of $24,000 or more in order to qualify for an installment loan. Those who are employed and meet this income requirement are the only ones who will be considered for a full installment loan.

To be eligible to apply, an individual may need to provide certain paperwork:

  • Active and valid personal checking account
  • Proof of income
  • Recent bank statements
  • Proof of identity

Integra Credit Reviews By The BBB

Integra Credit is a highly rated company that has been accredited by the Better Business Bureau since 2018. It has an average customer rating of 3.45 out of 5 stars and has had 24 complaints closed in the last 3 years, according to the BBB. Customers have praised the company for its convenient and straightforward loan process as well as its friendly and helpful customer service representatives. Thanks to its commitment to customer satisfaction, Integra Credit has become a highly trusted and reputable lender in the financial industry.

FAQs About Integra Credit

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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 absolutely 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.

Is Integra Credit legit or a scam?

Since 2012, Integra Credit has been providing quality financial services to its customers, receiving an A+ rating from the BBB. The company has been accredited since early 2018 and continues to receive positive reviews from satisfied customers and employees. However, some customers and Integra credit employees have had negative experiences, which are reflected in mixed reviews online.

Loans can be a great way to finance big purchases or cover unexpected expenses. But before you take out a loan, it’s important to do your research and compare rates from different lenders. Be sure to read customer reviews so you can choose the best option for you. This way, you can avoid taking out a loan that you can’t afford.

Integra Credit
  • Integra Credit

Integra Credit Review

Since 2012, Integra Credit has offered reliable financial services, and the Better Business Bureau gave them an A+ rating. Since 2018, the company has been approved, and happy customers have reviewed it. On the other hand, some customers have reported negative experiences with the company, including issues with customer service and difficulties with the loan process.

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Paolo Jones is an accomplished writer with a specialization in tax-related topics. His extensive experience and expertise in the field have made him a sought-after authority on all things tax. Paolo earned his bachelor's degree in economics where he developed a keen interest in taxation. Paolo began his professional career as a tax consultant where he advised clients on tax planning, compliance, and risk management. His technical expertise and attention to detail soon earned him a reputation as a top-notch tax professional.

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