IntegraCredit Frequently Asked Questions

We are a personal loan provider founded in 2014 and headquartered in Chicago, Illinois. We specialize in helping people with less-than-perfect credit access personal loans ranging from $500 to $3,000. Since our founding, we've helped over 100,000 customers across 26 states get the financial assistance they need.

IntegraCredit focuses on customers who may not qualify for traditional bank loans. We look beyond just your credit score to understand your full financial picture. Key differences include:

• No hard credit check during application (won't affect your credit score)
• Approval even with bad credit or past bankruptcy
• Fast, online application taking just 5 minutes
• Next-day funding once approved
• Transparent terms with no hidden fees

Yes, We are a legitimate, licensed lender operating since 2014. Our loans are originated through Transportation Alliance Bank (TAB Bank) or CCBank, both federally regulated institutions. We are registered to do business in all states where we operate and comply with all applicable federal and state lending regulations.

IntegraCredit currently serves customers in 26 states: Alabama, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oregon, South Carolina, South Dakota, Texas, Utah, and Wisconsin. We're continuously working to expand our service area.

To apply for a personal loan, you must:

• Be at least 18 years old
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Live in a state where We operate
• Have a steady source of income
• Have an active U.S. checking account
• Have a valid email address and phone number

Yes! IntegraCredit specializes in helping people with less-than-perfect credit. We don't perform a hard credit check during the application process, and we consider your full financial picture—not just your credit score. Many of our customers have bad credit, limited credit history, or even past bankruptcies.

We accept various types of income, including:

• Employment income (full-time or part-time)
• Self-employment income
• Social Security benefits
• Disability benefits
• Pension or retirement income
• Other verifiable regular income

Yes, having a bankruptcy in your past doesn't automatically disqualify you. IntegraCredit considers your current financial situation, not just your credit history. Many of our customers have successfully obtained loans despite having bankruptcies on their records.

APRs for IntegraCredit personal loans range from 99% to 399%, depending on your state of residence and individual creditworthiness. The exact rate you qualify for will be clearly displayed before you accept any loan offer. We're transparent about our rates being higher than traditional bank loans because we serve customers who often can't qualify elsewhere.

our loans have a 0% origination fee. There are no application fees, and no prepayment penalties if you pay off your loan early. All fees and charges will be clearly disclosed in your loan agreement before you accept.

We offer personal installment loans ranging from $500 to $3,000. The exact amount you qualify for depends on your state of residence, income level, and overall financial profile. Your personalized loan offer will show the amount you're approved for.

Loan terms range from 10 to 21 months (approximately 6-24 months), depending on your state and the loan amount. You'll make fixed monthly or bi-weekly payments throughout the term. The exact terms will be shown in your personalized loan offer.

Our online application takes approximately 5 minutes to complete. You'll receive an instant decision, and if approved, you can have funds in your account as soon as the next business day.

No, checking your rate with us will not affect your credit score. We do not perform a hard credit inquiry during the application process. You can apply and see your options without any impact to your credit.

For the initial application, you'll need basic personal and financial information—no documents required. If additional verification is needed, you may be asked to provide:

• Recent pay stubs
• Bank statements
• Tax returns or W-2s
• Government-issued ID

Once you're approved and accept your loan terms, funds are typically deposited into your bank account as soon as the next business day. The exact timing depends on your bank's processing times.

Payments are automatically withdrawn from your bank account on your scheduled payment dates (typically aligned with your payday). You can also make additional payments or pay off your balance early through your online account at any time.

Yes! There are no prepayment penalties. You can pay off your loan early at any time without any additional fees. Paying early can help you save on interest charges.

If you're having trouble making a payment, contact our customer service team as soon as possible. We may be able to work with you on a solution. Missing payments can result in late fees and may affect your credit score, so communication is key.

Once you've made a certain number of on-time payments, you may be eligible to apply for a new loan. However, we encourage customers to carefully consider whether additional borrowing is the right choice for their financial situation.