Checking your loan options does not affect your credit score.
If you have any questions, please reach out to one of our knowledgeable representatives at 855-345-5550.
A line of credit is a more flexible option for cash than a traditional personal or payday loan. A line of credit has a credit limit that functions in a similar way to a credit limit on a traditional credit card.
Customers can borrow what they want, up to their approved credit limit, and make repayments over time. Customers can make additional advance requests until they meet their credit limit. Over time, by making successful on-time payments, customers’ available credit will increase.
Customers have the option to only pay the minimum amount due or pay off their balance. Integra Credit does not charge a pre-payment penalty if you choose to pay your balance before your due date. As you make successful repayments, the available credit will increase.
How can I use the money from my line of credit?
You can use the funds from your line of credit however you wish. Many Integra Credit customers take out a line of credit to pay for a household expense or to consolidate debit.
How is my personal information protected?
How long will it take to receive my money?
If your application is approved by 8 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 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.