Integra Credit for Bad Credit Borrowers
- No published minimum FICO — approvals reported across the 500–650 range, with income weighing heavily.
- Income matters more than score — verified monthly income caps how much Integra will lend you.
- Soft pull prequalification — you can test your odds without any credit-score impact.
- Cheaper options exist below 580 — credit union PALs cap at 28% APR by federal rule.
Our verdict: approval odds are real at this credit tier, but so is the cost.
Integra Credit is purpose-built for borrowers with bad credit who have been declined by banks, credit unions, and most online lenders. Here is what that actually means, who qualifies, and when it is the right choice.
What "bad credit" means at Integra
Integra Credit does not publish a specific FICO cutoff. In practice, the lender serves borrowers across the full subprime range, typically FICO scores from 500 to 659, as well as applicants with limited credit history or no credit file at all. Approval is not driven by the score alone — Integra's underwriting looks at income, bank account health, and employment stability.
How credit tiers typically map to lender options
| FICO range | Credit tier | Typical lender fit |
|---|---|---|
| 720+ | Prime | Bank, SoFi, credit union |
| 660–719 | Near-prime | Avant, Upgrade, Upstart |
| 580–659 | Subprime | OppLoans, NetCredit |
| 500–579 | Deep subprime | Integra Credit, Rise Credit, tribal lenders |
| No file / very thin | Credit invisible | Integra Credit, secured credit cards |
Why Integra may approve when others decline
- Underwriting model — Integra weighs income stability and bank account signals more heavily than credit score alone
- No minimum credit score cutoff — many subprime lenders enforce a 580 floor; Integra does not
- Small loan amounts — max $3,000 limits Integra's exposure per approval
- Short term lengths — 6 to 24 months limits how long Integra carries the credit risk
- Secure bank account verification — real-time account data lets Integra see income flows that credit reports miss
What bad credit borrowers pay
The trade-off for easier approval is cost. Expect an APR in the upper half of Integra's 99%–399% range if you fall into the deep-subprime or credit-invisible tier. The lower end of the APR range typically goes to borrowers with somewhat stronger profiles who may also qualify for cheaper alternatives.
Honest decision framework
Integra may be your best option if
- FICO below 580 and recently declined by OppLoans or NetCredit
- No credit file or thin file with limited tradelines
- You need funds in 1–2 business days and have no credit union membership
- Loan amount needed is $3,000 or less
- You can realistically repay in 6–12 months
Walk away and try alternatives if
- FICO 580+ — try OppLoans, NetCredit, or Possible Finance first
- You are a credit union member — ask about Payday Alternative Loans (PALs) at 18%–28% APR
- Your employer offers earned wage access — this is nearly always cheaper
- You need more than $3,000 — Integra cannot help; try NetCredit or Avant
- You cannot afford the monthly payment without missing other bills
Credit building side effect
Integra reports on-time payments to TransUnion. Over the life of the loan, consistent on-time payments can add positive payment history to your TransUnion file. This can meaningfully help borrowers with thin files. However:
- Integra does not report to Equifax or Experian — lenders using those bureaus will not see the account
- Credit-building benefits are a side effect, not a reason to take an expensive loan you do not need
- A secured credit card used responsibly builds credit at a fraction of the cost