Integra Credit Personal Loans in Alabama

Integra Credit Rates and Terms in Alabama

Actual rates and terms vary based on loan amount, discount usage, information provided in your application and a number of other factors. Please carefully review your loan agreement for the annual percentage rate (APR) and other terms applicable to your loan.

Beginning on June 18, 2024, all Integra Credit branded loans offered to Alabama residents will be made by Capital Community Bank, a Utah chartered bank, located in Provo, Utah, Member FDIC. If you received a loan from Integra Credit One, LLC prior to June 18, 2024, your loan will continue to be governed by the terms and conditions set forth in your loan agreement.

The below reflects the rates and terms offered by Capital Community Bank as of June 18, 2024.

Loan Amount

$500 to $3,000

Loan Details (APR)

159% to 224%

Loan Duration

12 to 21 Months

For example, a $1,700 loan that is repayable in 19 monthly payments of $294.04 will have an APR of 187.4216%.

If a payment is not paid in full within ten (10) days after its scheduled due date, you will be charged a late fee of $15.


  • APR is calculated based on all installment periods being of equal length.
  • There are no pre-payment penalties for making additional payments or paying off early.

Compliance with Alabama Regulations

Contact Integra Credit

Phone Number:



Mailing address:

Integra Credit
120 S. LaSalle St.
Suite 1600
Chicago, IL 60603

Fax Number:


Hours of Operation

Monday-Friday: 8:00AM - 8:00PM CT

Saturday: 9:00AM - 6:00PM CT

Check the rates on a personal loan today
Check the rates on a personal loan today

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Why customers choose Integra Credit in Alabama

Customers from Alabama turn to Integra Credit when they are in need of cash and are short on time. An online personal loan can provide you with the cash you need. After completing a short and secure online loan application, customers from Alabama will receive an instant decision. If approved you can receive your cash as soon as the next business day*. We make getting approved for a personal loan in Alabama simple. Our Customer Service Team is here to support you through every step of the process. Complete your application today!

How does an Integra Credit Personal Loan in Alabama work?

Integra Credit is a direct lender that offers customers installment loans in Alabama. An installment loan is a type of personal loan that is typically repaid in even, regularly scheduled payments. The repayment schedule for an Alabama installment loan is clearly detailed in every customer’s loan agreement. We take pride in our commitment to responsible lending and will never charge you a hidden fee. In addition, we offer customers the flexibility to pay their entire loan balance at any time without a penalty. Customers from Alabama can count on us for their short term credit needs. Don’t wait! Complete your loan application today.

Installment loans vs Payday Loans in Alabama

In Alabama, customers have many different personal loan options. Two common types of personal loans are installment loans and payday loans. There are a few differences in these loan types our customers should understand.

A payday loan is a type of personal loan that is typically repaid with a large lump sum on the customer’s payday. If there are multiple payments, then the first payment will usually only account for interest. Payday loans can often leave customers in a tight financial position due to the large final payment amount on their payday.

An installment loan is also a personal loan. The key difference between an installment loan and payday loan is that an installment loan is structured with even payments throughout the course of the loan repayment. This allows customers to account for the ongoing loan repayments in their weekly or monthly budget.

Apply in Minutes!

Apply quickly and securely

  • Complete a quick online application.
  • Receive a decision instantly.
  • Review and sign the agreement.
  • Get cash directly into your bank account.

You have Options

  • Pay only the minimum amount due or choose to pay more to repay your balance faster.
  • No pre-payment penalties.
Apply Today

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