Deinde Group, LLC, Deinde Financial, LLC, and Deinde Online Services, LLC all operate under the Integra Credit brand name. This company provides various personal loan options for those with bad credit or in need of a line of credit. They advertise their services at integracredit.com.
Integra Credit Summary
There are many things to consider when taking out a personal loan, and with so many lenders available it can be difficult to know where to turn. Integra Credit is one option that has been receiving a lot of attention recently. But is this lender the right choice for you? Here is a closer look at what they have to offer so that you can make an informed decision.
We did some digging and found some interesting things about their website and terms and conditions. Here are a few of the things that caught our attention.
- Personal loan interest rates typically range between 5% and 36%.
- APRs range from 99% to 399%.
- Loan amounts start at $500 and go up to $3,000.
- It offers loans with terms of up to 24 months.
- All loans are serviced by Deinde Financial, LLC.
- The actual amount and terms of loans and lines of credit vary based on creditworthiness and state law.
Here are some states where you can get an Integra Credit branded loan: Arizona, Arkansas, Florida, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Nebraska, Ohio, Oregon, South Dakota, and Texas. These loans are made by Transportation Alliance Bank Inc dba TAB Bank.
What is Integra Credit?
Integra Credit is a nonbank financial institution that offers personal loans to its customers. Deinde Financial LLC, the company behind Integra Credit, was founded in 2014 and is based out of Chicago, Illinois. You can reach them at (855) 345-5550 or by email at [email protected]
Integra Credit is a top-rated company with an A+ BBB rating. It has been accredited since 12/21/2018 and has an average of 49 customer reviews and 24 complaints closed in the last 3 years.
How does Integra Credit work?
Applying for a personal loan online with Integra Credit is a quick and easy process. You will be asked to provide some basic information such as your name, address, Social Security number, and income.
Once you have submitted this information, the lender will be able to determine whether or not they are willing to extend a loan to you. Before signing any loan contract, it is important that you understand all of the fees and interest charges that apply.
If you have been approved for a loan by Integra Credit, the funds will typically be deposited directly into your bank account. You can then use these funds in the same way as you would with any other type of deposit.
How to qualify for Integra Credit?
In order to be eligible for personal loans with Integra Credit, applicants must be at least 18 years of age or meet their state’s minimum age requirement – whichever is higher. Additionally, applicants must have a minimum annual income of $24,000 or above in order to qualify. Only employed individuals who meet this income requirement will be considered for a loan.
Documentation that may be required in order for an individual to qualify as an applicant includes the following:
- Active and valid personal checking account
- Proof of income
- Recent bank statements
- Proof of identity
Integra Credit BBB Reviews
Integra Credit is a highly rated company by the BBB that has been accredited by the Better Business Bureau since 2018. It has an average customer rating of 3.1 out of 5 stars and has had 24 complaints closed in the last 3 years.
Here are some reviews:
Cindy B 10/29/2022
Carolyn J 09/20/2022
Cheryl C 08/22/2022
Shanice H 08/10/2022
Rachel D 07/13/2022
Integra Credit FAQs
How much does Integra Credit charge?
Integra Credit offers loans of $500 to $3,000 with Annual Percentage Rates (APRs) from 99% to 399%. Borrowers may be charged a late payment fee of up to $15 for each missed monthly payment, which is triggered when the payment is 10 days late.
Are there any pre-payment penalties?
Integra Credit offers loans with no prepayment penalties, so you can pay off your loan faster than originally scheduled without any extra fees. In addition, there is no personal loan origination fee.
How does Integra Credit affect your credit?
Before you decide to apply for a loan, it’s important to understand the process and what impact it may have on your credit score.
Most lenders will do a soft credit pull upfront to give you an idea of the interest rates and loan terms you may be qualified for. This won’t affect your credit score.
However, once you decide to go ahead with the loan application, the lender will need to do a hard credit inquiry to get a full view of your credit history and offer you final rates. These hard inquiries will lower your credit score.
How to cancel Integra Credit?
It is important to be absolutely certain of your decision before applying for a personal loan, as once the funds have been dispersed into your account, it is not possible to reverse or cancel the transaction. This way you can avoid any cancellations or changes down the line.
Making ends meet can be a real challenge. Here are some tips that may help you get back on track.
There are a few key things you can do to get your finances in order.
- First, create and stick to a budget. This will help you stay on track and make better spending decisions.
- Another option is to speak with a financial advisor who can help you understand your options and develop a plan that works for your unique circumstances.
- And finally, don’t worry too much if you’re already in debt. Many companies are willing to work with customers to create a more manageable payment plan. So reach out to their customer service team for more information.
Is Integra Credit legit or a scam?
Since 2012, Integra Credit has been providing quality financial services to its customers, receiving an A+ rating from the BBB. The company has been accredited since 2018 and continues to receive positive reviews from satisfied customers. However, some customers have had negative experiences, which are reflected in mixed reviews online.
Loans can be a great way to finance big purchases or cover unexpected expenses. But before you take out a loan, it’s important to do your research and compare rates from different lenders. Be sure to read customer reviews so you can choose the best option for you. This way, you can avoid taking out a loan that you can’t afford.
Do you know Integracredit.com? Leave your experience and review below!
Thank you for reading!
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Integra Credit Review
Integra Credit Review
Since 2012, Integra Credit has been providing quality financial services to its customers, receiving an A+ rating from the BBB. The company has been accredited since 2018 and continues to receive positive reviews from satisfied customers. However, some customers have had negative experiences, which are reflected in mixed reviews online.
