Integra Credit vs OppLoans

		Featured
Feature	Integra Credit Deinde Financial, LLC	OppLoans OppFi Inc.
Rating	3.3	4.0
Loan Type	installment	installment
APR Range	159% - 249%	129% - 195%
Loan Amount	$500 - $3,000	$500 - $5,000
Term Length	12 - 21 months	9 - 18 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	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
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 very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments
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 income (recurring direct deposit preferred)
	Review	Review

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