Integra Credit vs NetCredit: Full Comparison
NetCredit wins on loan size (up to $10,000) and APR for borrowers who qualify. Integra Credit is the fallback when NetCredit declines, your state is not served, or you need less than $1,000.
APR Disclosure
Integra Credit personal loans and lines of credit carry triple-digit APRs (99%–399%) that vary by state and product. These are high-cost credit products designed for borrowers who do not qualify for traditional bank financing. Before applying, confirm you cannot access a lower-cost alternative such as a credit union personal loan, a secured credit card, or employer-based pay advance. Loan amounts, rates, and terms depend on state law and credit review.
Side-by-side comparison
Integra Credit and NetCredit compared
| | Feature | Integra Credit | NetCredit |
|---|
| APR range | 99%–399% | 34%–155% |
| Loan amount | $500–$3,000 | $1,000–$10,000 |
| Term length | 6–24 months | 6–60 months |
| Soft-pull prequalification | Yes | Yes |
| Origination fee | None | Varies — see detail below |
| Prepayment penalty | None | None |
| Funding speed | Next business day | Next business day |
| Credit reporting | TransUnion | Varies — see detail below |
Honest take: NetCredit wins for larger loans and stronger profiles
NetCredit (operated by Enova International) is a step up the credit ladder from Integra. It serves subprime and lower-mid-prime borrowers with loans up to $10,000 — more than three times Integra's maximum. APRs top out around 155% versus Integra's 399%. If your profile qualifies at NetCredit, you will nearly always pay less.
When NetCredit is the better choice
- You need more than $3,000 (NetCredit goes up to $10,000)
- Your FICO is in the 580–680 range
- You want a longer repayment term (NetCredit offers up to 60 months in some states)
- You want to spread payments over a longer period to lower the monthly amount
When Integra Credit may still be the right choice
- NetCredit has declined you based on credit or income
- You only need $500–$1,000 (NetCredit minimums start at $1,000)
- You specifically want a line of credit, which NetCredit also offers but with different terms
- Integra serves your state and NetCredit does not
Credit reporting difference
NetCredit reports to major credit bureaus (typically all three), giving it a credit-building advantage over Integra's TransUnion-only reporting.
State footprint
Both lenders have state-specific availability. NetCredit serves a different mix of states than Integra. Verify both lenders serve your state before investing time in the application.
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Cost comparison on a real loan
NetCredit's range sits well below Integra's. On an identical $2,000 twelve-month loan at representative mid-range rates:
Integra Credit and NetCredit compared
| | Scenario | Integra Credit @ 249% | NetCredit @ 95% | Difference |
|---|
| Loan amount | $2,000 | $2,000 | — |
| Term | 12 months | 12 months | — |
| Approximate monthly payment | $347 | $219 | $128/month |
| Approximate total interest | $2,164 | $628 | $1,536 |
| Approximate total repaid | $4,164 | $2,628 | $1,536 |
Representative mid-range APRs used for illustration. Actual rates from either lender are set per applicant based on state, credit profile, and income.
The gap here is larger than in most subprime comparisons because NetCredit's floor (34%) is roughly a third of Integra's floor (99%).
Who each lender approves
NetCredit's credit box
NetCredit sits a tier above Integra. It serves borrowers with damaged credit, but generally wants to see a somewhat established file — some history, some stability, not a brand-new or deeply distressed profile. A borrower in the high 500s to low 600s with steady income is squarely in NetCredit's range.
Integra Credit's credit box
Integra reaches lower. Borrowers in the low 500s, those with recent derogatory marks, and those with thin files get approved here more often. This is the actual reason Integra's rates are higher: it is pricing a riskier book.
The honest framing is that these lenders are not really competing for the same borrower. They overlap in the middle, and in that overlap NetCredit is clearly the better choice.
Loan size: the biggest structural difference
NetCredit lends $1,000–$10,000 against Integra's $500–$3,000. For borrowers who need more than $3,000, Integra simply cannot serve the need and the comparison ends there.
The flip side: NetCredit's $1,000 minimum means a borrower who needs $600 would have to take $1,000 and pay interest on money they did not need. Integra's $500 floor is genuinely useful for small amounts.
Term length and what it costs
NetCredit offers 6–60 months; Integra offers 6–24. Longer terms reduce the monthly payment but increase total interest paid. On high-APR debt, stretching the term is usually a mistake — a 60-month subprime loan can cost more in interest than the principal several times over.
Integra's 24-month ceiling is, arguably, a form of protection: it limits how long a borrower can stay in an expensive loan.
Credit reporting
Integra Credit and NetCredit compared
| | Bureau | Integra Credit | NetCredit |
|---|
| TransUnion | Reports | Reports |
| Experian | Does not report | Reports |
| Equifax | Does not report | Reports |
NetCredit reports to all three bureaus. For credit rebuilding, that is a clear advantage over Integra's single-bureau reporting.
Fees
Both lenders charge no prepayment penalty. NetCredit charges an origination fee in some states, typically up to 5%, where Integra charges none anywhere. On a $2,000 loan a 5% origination fee is $100 — real money, but trivial against the $1,536 interest difference calculated above.
State availability
NetCredit operates in roughly 36 states, Integra in 24. Check our state page to confirm Integra serves yours before comparing further.
Where Integra Credit wins
- Lower credit floor. If NetCredit declines you, Integra may approve.
- No origination fee anywhere. NetCredit charges one in some states.
- $500 minimum. NetCredit starts at $1,000, forcing you to borrow more than you may need.
- Line of credit product. NetCredit offers installment loans only.
The decision in one line
If NetCredit will approve you, take NetCredit — the interest difference on a typical loan exceeds a thousand dollars and the credit reporting is better. Integra makes sense only if NetCredit declines you, or if you need under $1,000, or if you specifically need revolving credit.
Either way, check a credit union Payday Alternative Loan first. At 28% APR capped by federal rule, it beats both. See our full alternatives comparison.
IC
Integra Credit USA Editorial Team
Research & Analysis
Our four-person team researches subprime consumer lending, verifies rate disclosures against state regulator filings, and tracks APR changes across all 24 states where Integra Credit operates. We publish only what we can source — no sponsored rankings, no fabricated reviews, no invented author personas.
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✓ 36 published guides
✓ FTC 16 CFR 255 compliant