Integra Credit’s requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a Social Security number. You will also need to have a verifiable bank account to qualify for a Integra Credit personal loan.
Integra Credit Requirements for Borrowers
Credit Score: N/A
Income: Not disclosed
Citizenship: U.S. citizen or permanent resident
Identification: Social Security number
Bank Account: Verifiable U.S. bank account
Residency: Live in AL, CA, DE, ID, MO, NM, SC, UT or WI
Before you apply for any personal loan, it’s a good idea to pre-qualify. While meeting all of the requirements gives you a good chance of approval, it’s never guaranteed. To pre-qualify with multiple lenders at once, check out WalletHub’s free pre-qualification tool.
You can get Integra Credit personal loan pre-approval through the Integra Credit website. Integra Credit pre-approval allows you to see your odds of approval for a personal loan from Integra Credit, as well as your potential interest rate, and the process will have no impact on your credit score.
Enter your name, email, home phone number, cell phone number, loan amount, state, and personal loan invitation code (optional). You will also need to create an account.
Click Get Started.
Once you receive your Integra Credit pre-approval status, you can choose whether or not to actually submit an application. Getting pre-approved does not mean you're guaranteed to be approved if you apply, but your approval odds will be very high.
If you want to consider more options first, you can try out WalletHub's free personal loan pre-approval tool, which checks for pre-approval with multiple personal loan providers at the same time.
To apply for an Integra Credit personal loan, first check for pre-qualification and then enter your personal and financial information on the online application. Next, verify the accuracy of the information, submit the application and wait to receive a decision.
How to Apply for an Integra Credit Personal Loan
… read full answerCheck for pre-qualification. Pre-qualification is a way to check your approval odds and potential rates before applying for an Integra Credit personal loan. It doesn’t hurt your credit. You can check for pre-qualification on the Integra Credit website.
Enter your personal information on the application. Integra Credit requires the following personal information on the application: your full name, email address, date of birth, phone number, home address, housing situation, Social Security number and driver’s license number.
Enter your financial information on the application. Integra Credit requires the following financial information on the application: income type, employer name, time at current employer, position, compensation structure, work phone number, how you get paid and how often you get paid.
Double check the application for accuracy. To ensure that your Integra Credit personal loan application gets processed as quickly as possible, make sure that all the information is correct and complete before you submit it.
Submit your application. Integra Credit will typically provide a decision on your application within 1 to 2 business days both for approval and funding.
If you are approved for an Integra Credit personal loan, you will generally receive the funds within 1 to 2 business days after approval. After that, it’s your responsibility to make monthly payments until you have fully paid back your loan, including interest.
Integra Credit does not do a hard inquiry into your credit history when you apply for a loan. Even though there's no credit check, that does not guarantee approval, as Integra Credit considers factors such as income, debt load, age, residency and more.
Integra Credit typically caters to people with bad or no credit. However, loans from Integra Credit are usually much more expensive than those from lenders that do hard inquires.… read full answer
To see your approval odds and what rates may apply to you, check out the free pre-qualification tool on WalletHub.
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