Apply for Integra Credit
Prequalification takes about two minutes and uses a soft credit pull — no impact to your credit score. If you accept a formal offer, Integra will perform a hard credit inquiry before funding.
Start your application
Complete the secure form below to begin. Our partner platform will route your request to the most appropriate lender in Integra Credit's product category based on your state and profile.
By submitting, you acknowledge our privacy policy and terms of use, and that Integra Credit USA is an editorial review site, not the lender. Loan offers are provided by third-party lenders. See our advertising disclosures.
What happens after you apply
- Prequalification check — Soft credit pull, no impact to score. You see estimated rate and loan amount in minutes.
- Review your offer — Compare the APR, term, and monthly payment. Nothing is committed yet.
- Accept and verify — If you accept, the lender performs a hard credit check and verifies income and bank account.
- Sign the loan agreement — Fully electronic. Review carefully. You can walk away up to this point with no obligation.
- Funds deposited — Most borrowers receive funds in their bank account on the next business day.
Common questions before you apply
Does applying hurt my credit score?
No. The initial prequalification is a soft pull and does not affect your score. A hard credit inquiry occurs only when you accept a formal loan offer.
What credit score do I need?
Integra Credit does not publish a minimum score. The lender serves borrowers with bad credit, but approval depends on income, bank account history, and other factors beyond the score alone. See full requirements.
How fast will I get the money?
Most approved borrowers receive funds in their bank account the next business day after signing. Same-day funding is possible if you complete the agreement before the lender's daily cutoff.
Can I apply from any state?
Integra Credit lends in 24 states. See the full list of states to confirm availability where you live.