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. Please see our privacy policy for more information.

How long will it take to receive my money?
Funds for loan agreements fully executed by 8pm CT on business days and 3:30pm CT on Sundays are typically sent the next business day. Check with your financial institution's funds availability policy to learn when it will provide you with access to the funds.

What are the minimum qualifications to apply?
The minimum qualifications to apply are that you must be at least the minimum legal age to contract in your state of residence, 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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