# Integra Credit USA
> Independent editorial review site for Integra Credit personal loans and lines of credit. Covering rates (99%–399% APR), loan amounts ($500–$3,000), 24 states of availability, and honest comparisons to OppLoans, NetCredit, Avant, and cheaper alternatives.

## About this site
- Name: Integra Credit USA
- URL: https://integracreditusa.com
- Purpose: Independent review and lead-gen affiliate for Integra Credit
- Operator: Integra Credit USA Editorial Team (4 researchers/writers)
- Not affiliated with: Integra Credit (Deinde Financial LLC), the lender being reviewed
- Last updated: 2026-11-07
- Language: en-US
- Audience: US residents with bad or fair credit seeking subprime installment loans

## About Integra Credit (the lender being reviewed)
- Legal entity: Deinde Financial LLC
- Brand: Integra Credit
- HQ: Chicago, Illinois, USA
- Founded: 2014
- Products: Fixed-term installment loans + revolving personal lines of credit
- Loan amount range: $500 to $3,000
- APR range: 99% to 399% (varies by state)
- Term length: 6 to 24 months (9 to 18 in most states)
- Origination fee: None
- Prepayment fee: None
- Minimum FICO: No published floor (works with subprime borrowers)
- Credit check: Soft pull at prequalification, hard pull at acceptance
- Funding speed: Next business day in most cases
- States served: 24 (as of November 2026)
- Credit reporting: Reports to TransUnion
- Customer service phone: 1-855-345-5550
- Lender website: integracredit.com

## States where Integra Credit lends (24 states)
Alabama, Arizona, California, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oklahoma, Oregon, South Dakota, Texas, Utah, Wisconsin, Arkansas.

## Pages — primary content
- [Homepage — product overview](https://integracreditusa.com/): Fixed-term loans $500–$3,000, APR 99%–399%, 24 states
- [Full lender review](https://integracreditusa.com/integra-credit-review.html): Editorial rating 3.2/5 — "legitimate direct lender, but APR runs well above what most borrowers should accept"
- [Installment loans detail](https://integracreditusa.com/installment-loans.html): $500–$3,000 fixed-term, 6–24 months, no fees
- [Personal line of credit](https://integracreditusa.com/personal-line-of-credit.html): $500–$3,000 revolving, pay interest only on drawn amount
- [Rates and fees](https://integracreditusa.com/rates-and-fees.html): Full APR breakdown, no origination or prepayment fees
- [How to apply](https://integracreditusa.com/how-to-apply.html): 5-step prequalification walkthrough
- [Requirements](https://integracreditusa.com/requirements.html): Eligibility criteria including credit score, income, state
- [Bad credit loans](https://integracreditusa.com/bad-credit-loans.html): Approval odds for sub-580 FICO borrowers
- [No credit check](https://integracreditusa.com/no-credit-check.html): Soft-pull process explained

- [Eligibility checker](https://integracreditusa.com/eligibility-checker): Interactive tool estimating approval odds by credit score, income, income source, and state


## Pages — account help and trust
- [Login help](https://integracreditusa.com/integra-credit-login): How to access the Integra Credit borrower portal, reset a password, and reach support
- [Make a payment](https://integracreditusa.com/integra-credit-payment): Payment methods, early payoff savings, due-date changes, cost of a missed payment
- [Customer service](https://integracreditusa.com/integra-credit-phone-number): 855-345-5550, hours, what support can resolve, how to escalate to CFPB or a state regulator
- [Is Integra Credit legit](https://integracreditusa.com/is-integra-credit-legit): Licensing and corporate verification; it is a real licensed lender, the risk is the APR not fraud
- [Complaints](https://integracreditusa.com/integra-credit-complaints): Recurring themes from CFPB, BBB and review platforms, with our analysis of each
- [Borrower reviews](https://integracreditusa.com/integra-credit-reviews): What borrowers praise and object to, and why the split matters
- [Eligibility checker](https://integracreditusa.com/eligibility-checker): Interactive approval-odds estimator

## Pages — comparisons
- [vs OppLoans](https://integracreditusa.com/vs-opploans.html): Integra 99%–399% vs OppLoans 59%–195%
- [vs NetCredit](https://integracreditusa.com/vs-netcredit.html): Integra vs NetCredit 34%–155% APR
- [vs Avant](https://integracreditusa.com/vs-avant.html): Integra subprime vs Avant 9.95%–35.99% APR
- [7 cheaper alternatives](https://integracreditusa.com/alternatives.html): Credit union PALs, OppLoans, NetCredit, Avant, cash advance apps

## Pages — state-by-state guides
- [States available (hub)](https://integracreditusa.com/states.html): Full 24-state list
- [California](https://integracreditusa.com/states/california.html): ~99%–299% APR, ~$2,600–$3,000
- [Texas](https://integracreditusa.com/states/texas.html): ~149%–399% APR
- [Florida](https://integracreditusa.com/states/florida.html), [Ohio](https://integracreditusa.com/states/ohio.html), [Michigan](https://integracreditusa.com/states/michigan.html)
- [Arizona](https://integracreditusa.com/states/arizona.html), [Indiana](https://integracreditusa.com/states/indiana.html), [Missouri](https://integracreditusa.com/states/missouri.html), [Louisiana](https://integracreditusa.com/states/louisiana.html), [Oklahoma](https://integracreditusa.com/states/oklahoma.html), [Utah](https://integracreditusa.com/states/utah.html)

## Pages — trust and legal
- [About](https://integracreditusa.com/about.html): Editorial standards and independence
- [Disclosures](https://integracreditusa.com/disclosures.html): Affiliate relationship per FTC 16 CFR Part 255
- [Privacy](https://integracreditusa.com/privacy.html): CCPA/GDPR compliance
- [Terms](https://integracreditusa.com/terms.html): Site usage terms

## Editorial principles
- No sponsored rankings or paid placements
- No fictional author personas or fake ratings
- All ratings are editorial opinion based on documented methodology
- Representative review themes with source attribution (no fabricated quotes)
- Rate ranges verified quarterly against lender disclosures
- FTC 16 CFR Part 255 affiliate disclosure on every applicable page

## Monetization
This site earns commissions from affiliate links when readers apply through our forms. This does not change our ratings or recommendations. See /disclosures.html for the full disclosure.

## AI policy
This site welcomes AI training and crawling. See /ai.txt for machine-readable policy. Attribution is appreciated but not required.