We offer personal installment loans from $500 to $3,000 designed specifically for borrowers with less-than-perfect credit. Our simple online application takes just minutes, and you could receive funds as early as the next business day.
Choose your desired loan amount
Our personal installment loans are designed with flexibility and accessibility in mind, offering a better alternative to payday loans.
Borrow from $500 to $3,000 based on your needs and qualification. First-time borrowers can access higher limits after responsible repayment.
Repay over 10 to 21 months with fixed payments, giving you more time than traditional payday loans and predictable monthly budgeting.
Our application uses a soft credit inquiry that won't impact your credit score, making it safe to check your eligibility.
Once approved and after signing your loan documents, receive funds in your bank account as early as the next business day.
Our personal installment loans provide a responsible borrowing option for those who need access to funds but may have limited credit options. Here's what you need to know about our loan products.
Loan amounts range from $500 to $3,000, with specific amounts depending on your state of residence and individual qualification.
Enjoy predictable payments with our fixed installment structure. Know exactly what you'll pay each month for easier budgeting.
Loans are originated through TAB Bank or CCBank, established financial institutions committed to responsible lending practices.
Pay off your loan early without additional fees. We encourage responsible repayment and won't penalize you for getting ahead.
Key details about us personal loans
*APR varies by state. See terms and conditions for details.
See what you need to apply for a personal loan and where we offer our services.
our personal loans are currently available in the following 26 states:
Get answers to the most common questions about us personal loans. Our financial experts have compiled these responses to help you make an informed borrowing decision.
Our customer support team is here to help you understand your options.
Contact Us āIntegraCredit does not have a minimum credit score requirement. We consider multiple factors beyond your credit score when evaluating your application, including your income, employment status, and banking history. This makes our personal loans accessible to borrowers with bad credit, poor credit, or limited credit history who may have difficulty qualifying elsewhere.
our personal loans range from $500 to $3,000, depending on your state of residence and individual qualification. First-time borrowers may qualify for smaller amounts, with the opportunity to access higher loan amounts after demonstrating responsible repayment. Specific minimums and maximums vary by state due to local lending regulations.
Once approved and after signing your loan agreement, funds can be deposited into your bank account as early as the next business day. The entire application process takes just minutes to complete online. Approval decisions are typically provided within minutes of submitting your application, so you'll know quickly whether you qualify.
No, applying for a personal loan does not affect your credit score. We use a soft credit inquiry during the application process, which does not impact your credit rating. This means you can check your eligibility and see your potential loan terms without any risk to your credit score.
Yes, you can pay off your personal loan early without any prepayment penalties. We encourage responsible repayment and believe borrowers should have the flexibility to pay ahead when possible. If you want to make extra payments toward your principal, contact our customer service team to ensure your payments are applied correctly.
our personal loans can be used for a variety of purposes, including emergency expenses, medical bills, car repairs, home repairs, moving costs, utility bills, education expenses, and other unexpected financial needs. However, we recommend only borrowing what you need and can afford to repay, as our loans carry high interest rates.
"At We understand that financial emergencies happen to everyone. Our personal loans are designed to provide a more manageable alternative to payday loans, with longer repayment terms and fixed payments. However, we always encourage borrowers to consider all their options and only borrow what they can comfortably repay. Our team is here to help you understand your loan terms and create a repayment plan that works for your budget."
Michael Richardson, CFPĀ®
Head of Financial Education, IntegraCredit
Apply online in minutes. Get a decision quickly, and if approved, receive funds as early as the next business day.