Beginning on April 9, 2026, Integra Credit Five, LLC will cease accepting applications for new lines of credit from Tennessee residents. On that date, Tennessee residents will be able to apply for Integra Credit branded installment loans made by Capital Community Bank, a Utah chartered bank, located in Provo, Utah, Member FDIC.
If you have an existing line of credit, your account will continue to be serviced under the terms outlined in your line of credit agreement and no further action is required on your part. Integra Credit Five, LLC may resume offering new Integra Credit branded lines of credit to Tennessee residents in the future, at which time this page will be updated accordingly.
The information below reflects the rates and terms offered by Capital Community Bank as of April 9, 2026
Integra Credit Rates and Terms in Tennessee
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.
Loan Amount
$500 to $3,000
Loan Details (APR)
159% to 249%
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.
Integra Credit Five LLC Compliance with Tennessee Regulations
Contact Integra Credit
Saturday: 9:00AM – 6:00PM CT
Tennessee snapshot
Key statistics highlighting Tennessee’s population demographics and financial landscape, sourced from the latest U.S. Census Bureau data:
- Population: 7.2 million
- Median age: 38.9 years
- Median household income: $67,097
- Homeownership rate: 67%
- Poverty rate: 14.0%
How do personal loans work?
Borrowers in Tennessee can access various personal loan options tailored to different financial goals and needs.
Most loans available in the state are unsecured, meaning you don’t need to use personal assets as collateral, and typically feature fixed interest rates for consistent monthly repayments.
Personal loans can be used to handle unexpected expenses, consolidate debt, finance home repairs, or any personal reason you may need extra cash for.
The rates and loan terms available vary depending on factors such as your credit history, income, and individual lender policies.
Types of personal loans
Borrowers in Tennessee have multiple personal loan types to choose from. Choosing the right option depends on your specific needs, financial status, and loan purpose.
Here are the main types of personal loans available:
- Online loans: These offer a fully digital application process, providing quick approvals and fast funding. They are typically structured as installment loans and are ideal for borrowers needing quick access to funds.
- Personal line of credit: This functions like a credit card, providing flexible borrowing up to a set limit. You pay interest only on the amount borrowed, and the funds become available again as repayments are made.
- Unsecured personal loans: This type of loan doesn’t require collateral, protecting your assets from risk in case of default. Approval depends on credit history, income, and employment stability, and they can be used for any purpose, such as home improvements or consolidating debts.
- Bad credit loans: These are specifically tailored for borrowers with low credit scores, offering funding options despite a poor credit history. Lenders consider additional factors, like income and employment, though interest rates can be higher.
- Installment loans: Installment loans are repaid through regular payments, providing predictable repayment terms that help with budgeting. As the repayment costs are spread over a period of time, they are often used for big expenses or emergencies.
Can you get a loan in Tennessee with bad credit?
You can still have personal loan options if you have a low credit score. While a poor credit history may limit your options or result in higher interest rates, it may not disqualify you from securing a loan.
When reviewing your application, many lenders will often look beyond your credit score, taking into account factors like your current income, employment stability, monthly expenses, and overall ability to manage debt.
Bad credit loans typically have higher interest rates because lenders perceive a greater risk when lending to borrowers with lower credit scores. However, responsibly managing and repaying your loan could help improve your credit score, providing better borrowing opportunities in the future.
How to apply for a line of credit
Securing a line of credit through Integra Credit in Tennessee is quick and simple. You don’t need to visit a branch or mail any paperwork – to complete your application, you’ll just need to provide:
- Name, address, email, and Social Security Number
- Income and employment details
- Checking account information
After applying, you’ll quickly receive a conditional decision online.
If approved, you can check your loan terms, including the interest rate, making it easy to decide if the line of credit is right for you.
Once you accept the terms, the funds are quickly deposited directly into your bank account.
Lines of credit in Tennessee FAQs
What is the maximum credit limit I can get in Tennessee?
In Tennessee, the maximum personal line of credit limit can vary significantly depending on the lender. Limits can typically range from a few hundred dollars to tens of thousands, or even higher for secured lines of credit.
Can I get a personal loan with no credit check in Tennessee?
Most lenders in Tennessee perform a credit check as part of their personal loan application process to assess your financial history and reliability.
However, some lenders may carry out a soft credit check, which doesn’t impact your credit score. This check allows you to see your potential loan terms and understand your chances of being accepted before you apply.
How long does it take to get approved for a personal loan?
Loan approval times vary depending on the lender, the type of loan, and how quickly you provide the required information.
Check the time to receive a decision before applying. Some online lenders can provide a decision within minutes, while banks and credit unions may take one to three business days. Once approved, funds are often deposited within one to five business days.
Are there credit unions in Tennessee that provide personal loans?
Yes, there are around 142 credit unions in Tennessee that offer personal loans to their members.
Credit unions are owned and controlled by their members. To become a member and be eligible for a credit union loan, you will need to meet the union’s membership rules, which are based on things like your employer, location or place of worship.
