Integra Credit vs Upstart

		★ Editor's Pick
Feature	Integra Credit Deinde Financial, LLC	Upstart Upstart Network, Inc.
Rating	3.3	4.5
Loan Type	installment	personal
APR Range	159% - 249%	6.3% - 35.99%
Loan Amount	$500 - $3,000	$1,000 - $75,000
Term Length	12 - 21 months	36 - 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	Lowest starting APR in our roundup Considers education and job history, not just credit score Same-day funding available in many states Borrowers with thin credit files often qualify
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 fee comes out of your proceeds, and Upstart doesn't publish its range Not available to residents of West Virginia or Iowa High maximum APR for higher-risk borrowers
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) US citizen or permanent resident Valid bank account Verifiable income or job offer starting within 6 months
	Review	Review

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