Integra Credit vs OneMain Financial

		Featured
Feature	Integra Credit Deinde Financial, LLC	OneMain Financial OneMain Holdings, Inc.
Rating	3.3	4.3
Loan Type	installment	personal
APR Range	159% - 249%	11.99% - 35.99%
Loan Amount	$500 - $3,000	$1,500 - $30,000
Term Length	12 - 21 months	24 - 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	Secured loan option available (lower rates with collateral) 1,300+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases
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	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications
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 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification
	Review	Review

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