Frequently Asked Questions - Integra Credit

What is an installment loan?
An installment loan has a fixed number of equal payments over an agreed upon amount of time. For example, a home mortgage is a type of installment loan.

What is APR?
Annual Percentage Rate or APR is a standardized measure used to express the cost of a loan for a whole year. This rate takes into consideration interest owed and any fees a customer will pay as a result of taking out the loan.

What can you use an installment for?
Installment loans are most often used to cover unexpected expenses. For example, car repairs or hospital bills. Installment loans can also be used to consolidate debt or pay off credit card debt. In addition, they can be used to cover a one time expense, like a downpayment for a car or home improvement project.

How is my personal information protected?
At Integra Credit, protecting your privacy is of our highest concern. We will never share your information with a third party without fully disclosing that information to you. Please see our privacy policy for more information.

How long will it take to receive my money?
If your application is approved by 6 p.m. CT, you will generally receive your funds from us by the next business day. The exact time of availability of funds depends on policies of your financial institution in regards to posting of ACH (Automated Clearing House) credits to your bank account. In some cases, we may not be able to verify your application information and may ask you to provide certain documents.

What are the minimum qualifications to apply?
The minimum qualifications to apply are that you must be at least 18 years old, have a valid bank account, have a valid email address, and be a resident of the United States. For more information on which states we service please see our Rates and Terms page.

How much can I borrow?
Integra Credit Installment Loans have a maximum amount of $3,000 depending on the laws within a state. For more information on the maximum loan about by state please refer our Rates and Terms page.

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