Integra Credit vs NetCredit


Feature	Integra Credit Deinde Financial, LLC	NetCredit Enova International, Inc.
Rating	3.3	3.8
Loan Type	installment	installment
APR Range	159% - 249%	34.99% - 99.99%
Loan Amount	$500 - $3,000	$1,000 - $10,000
Term Length	12 - 21 months	12 - 60 months
Pros	Fixed monthly payments instead of a payday loan's single balloon due date No prepayment penalty for paying a loan off early No published minimum credit score	Installment structure with fixed monthly payments Reports payment history to major credit bureaus No penalty for paying off a loan early Checking eligibility does not affect your FICO score
Cons	Triple-digit APRs even at the low end of the range Not offered in every state, and the state list changes Utah borrowers see a wider, higher rate band than the rest of the map	APRs still far above a traditional bank or credit union loan Not available in Colorado, DC, Maryland, New Hampshire, New York, Pennsylvania, or West Virginia Line-of-credit product carries a separate 10% cash advance fee per draw
Requirements	At least the minimum legal age to contract in your state of residence US resident Active checking account Valid email address	At least 18 years old US citizen or permanent resident Active checking account Verifiable, recurring income
	Review	Review

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