Does Integra Credit issue personal loans?

Integra Credit offers personal loans for bad credit and will not even do a credit check when you apply. This means that Integra Credit will not do a hard pull of your credit report, so negative information in your credit history won't matter. Integra Credit will instead consider other information from your application to determine eligibility, such as your income and employment history.... read full answer

You'll need to meet other requirements to get approved for a loan, though, like being at least 18 years old, having a bank account and having enough income to make monthly payments. Fortunately, Integra Credit allows you to pre-qualify before you officially apply.

To pre-qualify with multiple lenders at once, check out the free pre-qualification tool on WalletHub.

Integra Credit offers personal loans of up to $3,000 with an APR of 99% - 300%, depending on your overall creditworthiness. These loans can be used for any wedding-related expense, like the engagement ring, the venue, the cake or the honeymoon.

Integra Credit Personal Loans That Can Be Used for Weddings: Key Details... read full answer

• Loan amounts: $500 - $3,000
• APR range: 99% - 300%
• Repayment period: 6 - 18 months

If you’re set on specifically getting a “wedding loan,” you might want to look into LightStream or Best Egg. Just bear in mind that these loans have similar terms and functionality as general-purpose personal loans. To see the top-ranked offers, visit the best wedding loans page on WalletHub.

Yes, you can refinance an Integra Credit personal loan using either a new personal loan or a balance transfer credit card from a different lender. By paying off your remaining Integra Credit balance with a new, lower-interest loan or credit card, you will shift what you owe to the new lender and save money on finance charges. ... read full answer

How to Refinance a Loan from Integra Credit With a New Loan

1. Check your credit score. Checking your credit helps you see if you’re able to get approved with the score you have or if you need to spend some time improving it. You can check your credit score for free on WalletHub.
2. Get pre-qualified (if possible). Pre-qualifying shows you which lenders may approve you and what rates may be available to you. You can pre-qualify with multiple lenders for free on WalletHub.
3. Apply for the new loan. You can apply for the loan online, in person or over the phone. You’ll need to give the lender some personal information when you apply, like your name, address and date of birth. The lender will also need some financial information, like your employment status and income.
4. Wait for funds. You should get your loan within a few business days of being approved. The lender will either write you a paper check or do a bank transfer.
5. Pay off the old loan. Once you receive the money, you’ll need to pay off the old loan.
6. Repay the new loan. After the old loan is paid off, you’ll then need to repay the new loan. This could take a few months or years to do.

Refinancing a Loan from Integra Credit With a Balance Transfer

The biggest difference between using a balance transfer credit card and a personal loan for refinancing is that many cards offer 0% introductory APRs. If you can pay off your loan before the introductory period ends, you won’t have to pay interest.

To learn more, check out WalletHub’s balance transfer guide.

Final Thoughts

You should refinance a personal loan from Integra Credit if it saves you money. Ideally, your new loan or credit card should have a lower APR than your old loan. You can qualify for a lower APR if your credit score and overall financial situation are better than when you got the first loan.

Finally, it’s worth noting that Integra Credit does not offer personal loan refinancing services for its own loans. In other words, you can’t use a Integra Credit loan to pay off another Integra Credit loan and get a lower interest rate in the process.