Contact IntegraCredit

No, applying with us does not impact your credit score. We use a soft credit inquiry during the initial application, which is not visible to other lenders and does not affect your credit rating. A hard inquiry only occurs if you accept a loan offer and proceed with the final agreement.

Most applicants receive a decision within 60 seconds of submitting their application. Our automated system quickly evaluates your information to provide you with loan options tailored to your situation. If additional verification is needed, our team will contact you within one business day.

To complete your application, you'll need: your Social Security number for identity verification, a valid U.S. checking or savings account, proof of income (recent pay stubs, tax returns, or bank statements), and a valid email address and phone number. Having these ready can help speed up your application process.

Yes! IntegraCredit specializes in working with borrowers who have less-than-perfect credit. We look beyond just your credit score to evaluate your overall financial situation, including your income and banking history. Even if you've been turned down elsewhere, we encourage you to apply.

Once you accept your loan offer and complete the verification process, funds are typically deposited into your bank account within 24 hours, often by the next business day. In some cases, same-day funding may be available depending on your bank and the time of approval.