- 1 An Overview Of Integra Credit
- 2 Integra Credit: What Is It?
- 3 How does It Work?
- 4 What are the requirements for Integra Credit?
- 5 BBB Reviews For Integra Credit
- 6 FAQs
- 7 What are Integra Credit’s fees?
- 8 Are there any prepayment penalties?
- 9 What is the impact of Integra Credit on your credit report?
- 10 What are the steps to cancel Integra Credit?
- 11 Is Integra Credit legit or a scam?
The Integra Credit brand is used by Deinde Group, LLC, Deinde Financial, LLC, and Deinde Online Services, LLC. This company offers a variety of personal loan options to individuals with bad credit or in need of a line of credit. The company advertises its services on its website, integracredit.com.
An Overview Of Integra Credit
It can be difficult to know where to turn when taking out a personal loan since there are so many lenders available. Recent attention has been focused on Integra Credit. However, the question is whether this lender is the best option for you. For your convenience, here is a closer look at what they offer.
Our research found some interesting information about their website and terms and conditions. The following are some of the things that caught our attention.
- There is typically a range of interest rates between 5% and 36% for personal loans.
- 99% to 399% is the range of APRs.
- The loan amount ranges from $500 to $3,000.
- Loan terms range from 12 months to 24 months.
- Deinde Financial, LLC is responsible for servicing all loans.
- Creditworthiness and state laws determine the amount and terms of loans and lines of credit.
The following states offer Integra Credit branded loans: Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota, and Texas. Transportation Alliance Bank Inc, dba TAB Bank provides the loans.
Integra Credit: What Is It?
Integra Credit provides personal loans to its customers through a nonbank financial institution. In 2014, Deinde Financial LLC, the company behind Integra Credit, was founded in Chicago, Illinois. Alternatively, you may contact them via email at [email protected] or by telephone at (855) 345-5550.
Integra Credit holds an A+ rating with the Better Business Bureau. The company has been accredited since 12/21/2018 and has received an average of 49 customer reviews and 24 complaints over the past three years.
How does It Work?
Online personal loan applications with Integra Credit are quick and easy. You must provide some basic information such as your name, address, Social Security number, and income.
After submitting this information, the lender can determine whether or not they are willing to extend you a loan. Understanding the terms and conditions of any loan contract is important before you sign it.
The funds will usually be deposited directly into your bank account if you have been approved for a loan by Integra Credit. Upon receiving these funds, you will be able to use them like any other type of deposit.
What are the requirements for Integra Credit?
The minimum age requirement for personal loans with Integra Credit is 18 years, or the minimum age requirement in your state, whichever is higher. In addition, applicants must have an annual income of at least $24,000 to qualify for the program. A loan will only be considered for employed individuals who meet this income requirement.
Individuals may be required to submit the following documentation to qualify as applicants:
- A valid and active personal checking account
- Income proof
- Statements from recent banks
- Identification proof
BBB Reviews For Integra Credit
Following the Better Business Bureau, Integra Credit is a highly-rated company that the Better Business Bureau has accredited since 2018. The company has an average rating of 3.1 out of 5 stars and, over the last 3 years, has been able to close 24 complaints from its customers.
Cindy B 10/29/2022
Great friendly company, with fast deposits. Yes, the interest is high but if it’s for a quick fix and you can pay it back fast, it’s great.
Carolyn J 09/20/2022
They do actually as they tell you they’re doing…I like this company very much and always on time with the money.
Julio A 08/20/2022
Great to deal with them, very trustworthy, good and fast service and money are available sooner than you think.
Cheryl C 08/22/2022
They get a whole lot of personal information then deny you after a pre-approved letter don’t trust this seems like a big scam
Shanice H 08/10/2022
Nooo!!!! if I knew what I know now I wouldn’t have done it.!!!They charging more on the interest than they loan is sad very sad. . I DON’T RECOMMEND ANYONE **** TO THEM !! AT ALL.
Rachel D 07/13/2022
Just like many of the REAL reviews posted, I have been strung along and duped by Integra. They initially approved me for a loan and offered me a higher rate than I originally requested. After several days of Silence, I received an email requesting pay stubs and bank statements. I more than meet the criteria so I thought, ok no problem. In 3 days’ letter, I received a denial. It is very strange that I got approved on one end (and offered a higher amount) and then denied a week later for no understandable reason stay far away unless you want to completely waste your time!
What are Integra Credit’s fees?
Integra Credit offers loans ranging from $500 to $3,000 with annual percentage rates (APRs) between 99% and 399%. Delaying fees of up to $15 may be assessed to borrowers for each missed monthly payment after ten days.
Are there any prepayment penalties?
It should be noted that Integra Credit offers loans without prepayment penalties, which means that you can pay off your loan faster than originally scheduled without being penalized. As an additional benefit, there are no origination fees associated with personal loans.
What is the impact of Integra Credit on your credit report?
It is essential to know the process of applying for a loan and its impact on your credit score before you decide to use one.
Most lenders will do a soft credit check upfront to give you an idea of what interest rates and loan terms you may be eligible for in the future. There will be no impact on your credit score due to this.
Nevertheless, once you decide to go ahead with the loan application, the lender will be required to do a hard credit inquiry to get a complete picture of your credit history to offer you a final interest rate. It is important to note that these hard inquiries will hurt your credit score.
What are the steps to cancel Integra Credit?
Before applying for a personal loan, make sure you are confident of your decision since once the funds have been disbursed to your account, they cannot be reversed. By doing so, future cancellations or changes will be prevented.
It can be challenging to make ends meet regularly. You may find these tips helpful in getting back on track.
To get your finances in order, you can do a few things.
- Creating a budget and adhering to it is the first step. Making better spending decisions will be easier if you follow this advice.
- Financial advisors can help you understand your options and develop a plan that fits your unique needs.
- Don’t worry if you’re already in debt. Most companies are willing to work with customers to create a more manageable payment plan. If you would like more information, please contact their customer service department.
Is Integra Credit legit or a scam?
Integra Credit is a financial services company providing quality services to its customers for over six years. The company holds an A+ rating from the Better Business Bureau and has been accredited by them for two years, with positive reviews from satisfied customers. However, some customers have had negative experiences, which are reflected in mixed reviews online.
Loans can provide the necessary financial support for significant purchases or unforeseen expenses. However, comparing loan rates from different lenders and reading customer reviews before applying for a loan is important. This will help ensure that you choose the best loan option for your needs and avoid taking on more debt than you can afford.
Have you worked with integracredit.com in the past? Let us know about your experience in the comments below!
Integra Credit Review
Integra Credit Summary
Integra Credit is a financial services company providing quality services to its customers for over six years. The company holds an A+ rating from the Better Business Bureau and has been accredited by them for two years, with positive reviews from satisfied customers. However, some customers have had negative experiences, which are reflected in mixed reviews online. Loans can provide the necessary financial support for major purchases or unforeseen expenses. However, comparing loan rates from different lenders and reading customer reviews before applying for a loan is important. This will help ensure that you choose the best loan option for your needs and avoid taking on more debt than you can afford.