What bank does Integra Credit use? This question is about Integra Credit

What bank does Integra Credit use?

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This question is about Integra Credit

Grace Enfield, Content Writer

@grace_enfield • 07/22/22 This answer was first published on 07/22/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Integra Credit uses Transportation Alliance Bank to originate personal loans. The bank will fund loans of $500 - $3,000 with APRs of 99% - 300% and an origination fee of $0, depending on your overall creditworthiness when you apply. You can qualify for a personal loan with the Integra Credit even if you have bad credit, and you will have 6 - 18 months to repay the loan. Payments are made to Transportation Alliance Bank, and Integra Credit also services the loan.

Key Things to Know About Integra Credit Personal Loans

Bank Used to Fund Loans: Transportation Alliance Bank
Loan Amounts: $500 - $3,000
APRs: 99% - 300%
Repayment Periods: 6 - 18 months
Late Fee: Varies by state
Origination Fee: $0
Prepayment Fee: $0
Credit Score Requirement: Bad credit

For more information, check out the full Integra Credit review on WalletHub.

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Does an Integra Credit personal loan affect your credit score?

Yes, an Integra Credit personal loan does affect your credit score in the long run, but it doesn't have any impact during the application process, as Integra Credit only does a soft pull of applicants' credit. Once you get the loan, your increased debt level and account diversity will impact your score, as will your loan payments. In particular, whether or not you pay on time will have a huge impact on how your score changes.

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How long does it take to get money from an Integra Credit personal loan?

It takes 1 to 2 business days to get money from an Integra Credit personal loan, in most cases. That includes both the time it takes to get approved and the time it takes for the funds to be delivered after approval. Keep in mind that this is a typical applicant's experience, and in some cases it could take longer.

How to Get Money From Integra Credit as Fast as Possible

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Does Integra Credit verify income for personal loan applications?

Integra Credit does verify income for personal loan applicants to confirm that people can repay what they borrow, but it does not disclose a minimum income requirement. You also have to meet other Integra Credit requirements to be considered, such as be at least 18 years old and be a US citizen or permanent resident. You have a good chance of getting approved if you meet all of these requirements.

Integra Credit Personal Loan Requirements

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