Integra Credit vs Personify Financial


Feature	Integra Credit Deinde Financial, LLC	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	3.3	3.9
Loan Type	installment	installment
APR Range	159% - 249%	36% - 179.5%
Loan Amount	$500 - $3,000	$500 - $15,000
Term Length	12 - 21 months	12 - 48 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	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost
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 run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged
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 Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
	Review	Review

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