Integra Credit Review

Integra Credit is an online installment lender aimed at the same borrower OppLoans and CashNetUSA compete for: someone who needs a few hundred to a few thousand dollars, doesn’t qualify for a traditional personal loan, and would otherwise be looking at a payday loan. The structure is the selling point — a fixed loan repaid in equal monthly installments over roughly a year to two years, instead of one lump sum due on your next paycheck. That’s a real, structural improvement over a payday loan, and installment loans vs. payday loans walks through why the difference matters even when the rate doesn’t move.

It’s still expensive money. Integra Credit’s APR runs 159% to 249% in most states it serves, and higher still in Utah (more on that below). A loan that solves this month’s cash gap can add thousands of dollars in interest before it’s paid off. If you have any lower-cost option available to you — a credit union, an employer pay advance, even a high-APR credit card — our guide to payday loan alternatives is worth ten minutes before you apply here.

How Integra Credit works

“Integra Credit” is a brand name, not a single company. Per its own site disclosures, it’s used by Deinde Group, LLC, Deinde Financial, LLC, Deinde Online Services, LLC, and five affiliated entities named Integra Credit One through Five, LLC. In roughly two dozen states, loans branded Integra Credit are actually originated by one of two bank partners — Transportation Alliance Bank, Inc. (doing business as TAB Bank) or Quill Bank, a Utah-chartered bank based in Provo — and then serviced by Deinde Financial, LLC after funding. In the remaining states where it lends, a licensed Integra Credit company originates the loan directly. Either way, Deinde Financial, LLC services the loan going forward.

This bank-partner arrangement is common among high-APR online lenders, including OppLoans: the partner bank is chartered in a state with looser rate limits, and loans it originates can carry an APR that would exceed the cap in the borrower’s own state. It’s a legal structure, and it’s part of why Integra Credit can lend in states with rate limits tight enough to keep payday lenders out — but it’s also the arrangement that draws the most scrutiny from regulators and consumer advocates industry-wide, discussed more below.

Once funded, the loan itself is a standard unsecured installment loan of $500 to $3,000, repaid in equal monthly payments over 12 to 21 months in most states (10 to 18 months in Utah). There’s no balloon payment, and Integra Credit’s disclosures state there’s no penalty for paying it off ahead of schedule.

Rates, fees, and what a loan really costs

Integra Credit’s own rates-and-terms page for Texas gives a real, disclosed example rather than a hypothetical one: a $1,700 loan repaid in 19 monthly payments of $294.04 carries an APR of 187.4216%. Multiply that out and the total comes to $5,586.76 — about $3,887 in interest on a $1,700 loan, more than double what was borrowed. A payment more than ten days late adds a separate $15 fee in Texas; other states set their own late-fee terms, so read your state’s disclosure before you sign rather than assuming this one applies to you.

Fee structure aside, the APR itself is the whole story here. A triple-digit rate compounds fast: the longer the term, the more of each payment goes to interest before it touches principal, which is why a $1,700 loan on a 19-month schedule can cost more than three times its own amount before it’s paid off. There’s no prepayment penalty in any state, so if your finances improve, paying the loan off early stops the interest clock without an extra charge. That’s the one lever you have to control the total cost once you’ve signed.

Why Utah is different

Every state sets its own usury law — the ceiling on what a lender can legally charge in interest — and those ceilings vary widely. Most states where Integra Credit lends allow a 159% to 249% APR band over 12 to 21 months. Utah’s law permits a wider band: 149% to 399% APR over a shorter 10 to 18 months, on the same $500 to $3,000 loan amount. Integra Credit’s own Utah rate page gives a disclosed example: a $1,200 loan repaid in 12 monthly payments of $234.04 carries an APR of 198.0757%, for a total of $2,808.48 — about $1,608 in interest on a $1,200 loan in a single year.

This isn’t unique to Integra Credit — it’s a structural fact about state-by-state lending law that our breakdown of payday and short-term lending law by state covers in more depth. If you’re a Utah resident, don’t assume the APR range advertised for the site overall applies to you; check the state-specific rate page before you apply.

Who qualifies

Integra Credit doesn’t publish a minimum credit score, and its site markets itself as looking past a traditional score during underwriting. The published minimum qualifications are narrower than a score, though: you need to be at least the legal age to contract in your state of residence, a US resident, and able to provide a valid checking account and email address. Integra Credit does not guarantee approval at any income or credit level.

Applying and getting funded

The application runs entirely online. Per Integra Credit’s disclosures, a loan agreement fully executed by 8 p.m. Central time on a business day, or by 3:30 p.m. Central time on a Sunday, typically funds the next business day by ACH — actual availability still depends on your own bank’s deposit-posting policy.

Where Integra Credit is available

We checked Integra Credit’s state-specific rate pages one by one rather than relying on the general disclosure text published elsewhere on its site, because the two don’t fully agree. A footer disclosure repeated across the site names California as one of the states where its bank partners lend, but California’s own dedicated rate page states plainly that loan products aren’t available there — the more specific page is the one we trust. Based on our direct, page-by-page check, Integra Credit currently publishes live rates and terms in Alabama, Arkansas, Arizona, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, Nebraska, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Wisconsin. Its own rate pages confirm loans are not available in California, New Mexico, Oregon, or South Dakota. A number of other states currently have no live rate page at all, which we treat as not currently offered rather than assume either way. Because a lender’s footprint can change without notice, confirm your own eligibility on Integra Credit’s site before you apply.

How Integra Credit compares

Against OppLoans, Integra Credit is priced similarly and built the same way — a fixed installment structure delivered through a comparable bank-partner arrangement — though OppLoans’ advertised range (129% to 195% APR) runs somewhat lower than Integra Credit’s 159% to 249%. Against a traditional personal-loan lender like OneMain, Integra Credit is the far more expensive option: OneMain’s rates top out well below Integra Credit’s floor, but OneMain also expects steadier credit and income to qualify. If your credit clears that bar, it’s worth pricing a loan there before committing to a product in Integra Credit’s rate range.

The bank-partner model, in plain terms

The arrangement that lets Integra Credit charge above what some states would otherwise allow — originating loans through TAB Bank or Quill Bank rather than a state-licensed Integra Credit company — is the same “rent-a-bank” structure that regulators and consumer-advocacy groups have scrutinized across the high-APR installment lending industry for years, on the theory that its main purpose is routing around state interest-rate caps. We don’t have a public enforcement record specific to Integra Credit or Deinde Financial, LLC to point to as of this review, and that absence isn’t proof either way. It’s worth knowing the general concern about this business model before you sign, separate from whatever Integra Credit’s own track record turns out to be.

Bottom line

Integra Credit is a real, licensed lending brand, not a scam, and its fixed-installment structure is a genuine step up from a payday loan’s single balloon payment. But the APR is the product, not a footnote — a $1,700 loan can cost nearly $3,900 in interest under two years, and a Utah borrower can see an even wider range. Treat it the way you’d treat any triple-digit-APR credit: an option for a specific, narrow gap after you’ve ruled out anything cheaper, not a default choice.