Advertising & Affiliate Disclosures
FTC 16 CFR Part 255 compliance disclosure. Last updated: November 7, 2026.
Affiliate relationship disclosure
Integra Credit USA is an independent editorial review site that participates in affiliate marketing programs. This means we may earn a commission when readers click on partner links on our Site and subsequently apply for, are approved for, or receive loans from the partner lender or lending platform.
Current primary partner platform: APIdiamond.com — a loan comparison and routing platform that distributes applications to its network of consumer lenders.
What compensation does not affect
Receiving affiliate compensation does not affect:
- Our editorial rating of the lender (currently 3.2 / 5)
- Which pros and cons we identify
- Our honest analysis of when Integra Credit is the right choice vs when a cheaper alternative beats it
- Our factual presentation of rates, fees, and terms
- Our recommendations to try cheaper lenders (such as OppLoans, NetCredit, Avant, or credit union PAL loans) when they fit your profile
We do not accept payment from the lender, Deinde Financial LLC, or any affiliated entity for editorial coverage.
FTC endorsement compliance (16 CFR Part 255)
This site complies with the Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 CFR Part 255. Specifically:
- We disclose our material connection to partners whose products we discuss (affiliate commission relationship)
- We do not present paid or affiliate relationships as independent editorial endorsements without disclosure
- Our ratings and opinions reflect our honest editorial assessment, not sponsored content
- We identify sponsored content, when any exists, as sponsored
- We do not use fabricated reviews, fabricated testimonials, or fictional expert personas
APR disclosure
Integra Credit personal loans and lines of credit carry APRs between 99% and 399% depending on state, product, and borrower profile. Loan amounts range from $500 to $3,000. Terms range from 6 to 24 months. These are high-cost credit products. Not all applicants will qualify. Actual terms depend on creditworthiness, state of residence, and lender assessment. Loans in some states may be originated by bank partners (TAB Bank, CCBank) and serviced under the Integra Credit brand.
State availability disclosure
Integra Credit lends in 24 US states. If you live in a state Integra does not serve, you will not be able to apply regardless of your qualifications. See our state availability page for the full list.
APIdiamond lending platform disclosure
Loan applications submitted through our site are routed through APIdiamond.com, which distributes applications to its network of consumer lenders. Integra Credit may or may not be in APIdiamond's current lender network. If the lender is not available through APIdiamond for your state or profile, your application may be matched with other subprime installment lenders offering comparable products.
APIdiamond does not currently serve residents of New York, Vermont, West Virginia, or Arkansas.
No guarantee of approval or rate
Submitting a loan application does not guarantee approval. Approval and specific loan terms are determined by individual lenders based on their underwriting criteria. Checking rates through our site uses a soft credit inquiry and does not affect your credit score. A hard credit inquiry occurs only if you accept a formal loan offer.
Changes to this disclosure
This disclosure may be updated when our affiliate relationships or partner platforms change. The last updated date at the top of this page reflects the most recent change.
Contact
For questions about our affiliate relationships or editorial independence, contact editorial [at] integracreditusa [dot] com.