Integra Credit Review: Is It Legit Or Is It A Scam?

Integra Credit

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Integra Credit is a brand name that represents the three companies that makeup Deinde Group, LLC – Deinde Financial, LLC, Deinde Online Services, LLC, and Deinde Group, LLC. These companies offer a wide selection of financial services, including loans, savings accounts, investments, and more. Integra Credit’s platform is designed to provide access to financial services to those who may have experienced difficulty getting loans through traditional lenders due to their credit score, income, or other factors. The Integra Credit application process is straightforward and can be completed online, by phone, or in person. All applicants must provide valid identification and proof of income in order to be considered.


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The Integra Credit Summary

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Integra Credit is a lender that has been gaining attention recently for its high interest rates. While these rates may be attractive to some, it is important to understand the terms and conditions of the loan before making a decision. Integra Credit offers flexible repayment options, such as the ability to pay back the loan in several installments, as well as a wide range of loan amounts available to suit a variety of needs. Additionally, Integra Credit prides itself on a quick application process and fast funding, meaning you can get the money you need in a timely manner. Ultimately, it is important to weigh the pros and cons of a loan from Integra Credit to ensure that it is the right fit for your needs.

We conducted an investigation and discovered a few captivating details about their website and regulations. Here are a few of the things that stood out to us:

  • 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.

Exactly What Does Integra Credit Do?

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Integra Credit is a financial services platform offering personal loans to borrowers with competitive interest rates. Founded in 2018 and based in Toronto, Canada, they have an easy-to-use application process and can be contacted 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.

Advantages And Disadvantages Of Integra Credit

Prior to deciding to obtain a loan from Integra Credit, it is important to carefully weigh the advantages and drawbacks of the financial product:

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  • 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 a great option for those needing fast access to funds, but borrowers should be aware of the risks associated with unsecured loans and the possibility of higher interest rates.

Information About Integra Credit’s Loan Requirements And Application

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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.

Integra Credit: How Does It Work?

Applying for a personal loan online with Integra Credit is a simple and straightforward process. All you need to do is provide your name, address, Social Security number, and income. Once you have submitted this information, the lender will review it to see if they are willing to extend a loan to you. It is important to read and understand any fees and interest charges that come with the loan agreement before signing. If you are approved for a loan, the funds will usually be deposited directly into your bank account. With the Integra Credit loans, you can also repay your loan early with no penalty.

What Are The Qualifications For Integra Credit?

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Integra Credit requires that all applicants for personal loans must be at least 18 years of age or meet their state’s minimum age requirement – whichever is higher. Additionally, applicants must have an annual income of $24,000 or above to be considered for an installment loan. Those who do not meet this income requirement may only be eligible for partial loans. Integra Credit only provides installment loans to employed individuals who meet this income requirement.

In order to be considered as an applicant, certain documents may need to be submitted as evidence of qualification:

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

Integra Credit BBB Reviews

Integra Credit is a highly rated company by the Better Business Bureau (BBB). Since 2018, it has been accredited by the BBB and has been given an average customer rating of 3.45 out of 5 stars. In the past three years, the company has had 24 complaints closed. This is a good indication of its commitment to providing quality customer service and resolving any issues that may arise.

Integra Credit Frequently Asked Questions

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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.

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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: the Integra Credit loan also 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 its inception in 2012, Integra Credit has been providing quality financial services to its customers and has earned an A+ rating from the BBB. The company has been accredited since 2018 and continues to receive positive reviews from customers and employees alike. Despite this, there have been some negative experiences, which are reflected in mixed reviews online. Despite this, Integra Credit still remains committed to providing its customers and employees with the best service and support possible.

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.

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