Integra Credit in Texas
Integra Credit lends to Texas residents with installment loans and lines of credit. Here are the state-specific rates, limits, and terms as regulated under Texas law.
Texas rates and terms at a glance
Products available to Texas residents
- Installment loan — Fixed-term personal loan from $500 to $3,000, 6 to 24 month terms
- Personal line of credit — Revolving credit from $500 to $3,000, available in Texas
Texas-specific notes
Texas regulates consumer installment lenders through the Office of Consumer Credit Commissioner (OCCC). Integra loans in Texas are made under the state's Chapter 342 or 393 consumer credit framework, which allows the triple-digit APRs you see.
Texas borrowers have the right to request a payment plan and to receive clear disclosure of all fees before signing. File complaints with the OCCC if you believe a lender has violated Texas consumer credit law.
How to apply from Texas
- Confirm you are a resident of Texas with a valid state address
- Have your Social Security number, employer details, and bank account information ready
- Complete the online prequalification — takes about 2 minutes with a soft credit pull
- Review your offer, including the APR and monthly payment finalized under Texas rate rules
- Accept, verify, and sign for next-business-day funding
Texas borrower protections
As a Texas resident borrowing through a state-licensed consumer lender, you are entitled to:
- Full disclosure of APR, finance charge, total of payments, and payment schedule in the loan agreement (federal Truth in Lending Act)
- State-specific usury and consumer-protection rules
- Right to prepay without penalty
- Right to receive clear disclosures of any fees
- Right to file complaints with the Texas state banking or consumer finance regulator and the Consumer Financial Protection Bureau
Alternatives for Texas borrowers
Before accepting a triple-digit APR loan, check these options available in Texas:
- Credit union personal loans — Texas credit unions typically offer small-dollar loans at 18%–36% APR to members
- OppLoans — Available in most states Integra serves, with APR 59%–195%
- NetCredit — Higher loan amounts (up to $10,000) if you need more than Integra's $3,000 cap
- Employer earned wage access — Check if your employer offers DailyPay, Earnin, or a similar program
See our full Integra Credit alternatives page.
Who borrows from Integra Credit in Texas
With a population of 30.5 million and a median household income of $73,035, Texas represents a diverse credit market. In practice, oil and gas cycles create income volatility that drives subprime demand. Integra Credit's product fits this demand by offering next-business-day funding and no upfront fees, though the APR range remains in the triple digits.
Metro areas where Integra lends
Integra Credit serves borrowers across Texas, with highest application volume typically coming from Houston, Dallas–Fort Worth, San Antonio, Austin. The lender does not restrict by metro area — any Texas resident meeting the base eligibility (bank account, verifiable income, soft-pull consent) can apply.
How Texas regulates Integra Credit
Texas regulates small-dollar lending through the Office of Consumer Credit Commissioner (OCCC) — Integra operates under the Texas Credit Access Business (CAB) framework. This regulatory framework shapes both the loan amounts and the APR ranges Integra can offer in-state, which is why the published rates on this page may differ from other states.
A cheaper Texas alternative worth checking first
Before applying to Integra Credit, Texas residents should check whether they qualify at a local credit union. Randolph-Brooks Federal Credit Union (RBFCU, serving over 1 million members in TX) is one of the largest state-chartered options and typically accepts members with mid-tier credit. RBFCU offers signature loans starting around 10% APR for members. Over a 12-month $2,000 loan, the savings versus Integra can exceed $1,500 in interest costs.