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IntegraCredit Review 2022

Written on 23 March 2022

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What is Integra Credit?

Integra Credit, a division of Integra Bank is a small lender offering some of the best credit card rates on new purchases for those with good to excellent credit . It has some of the lowest fees in the industry and its intro rate is one of the longest available at 0%; but there are some caveats that keep this card from being perfect.

Introduction: The first and foremost thing to know is that Integra Credit is a division of Integra Bank, which is about as unassuming as you can get in the credit industry—it's not owned by a huge bank or financial institution. Many products offered through Integra Credit require an account with the bank, but credit cards are not one of them.

Integra Credit's parent company is Integra Bank, which it gets its name from.

How does Integra Credit Work?

There are a few things you'll need before we get into what the card has to offer: an open checking account with Integra Bank, good credit and about $100.

To apply for this card, you'll need: An open checking account with Integra Bank A FICO score of at least 680 $100

Integra Credit operates exclusively online, and it's one of the few lenders that do so. You can either apply through its website or over the phone. If you choose the former, you'll need your bank account information and a $100 deposit to get started; this is used as collateral should you default on any payments.

Integra Credit Repayment Process

This is where the " demerits " start to reveal themselves: payments are processed via check, and they take a full two weeks to hit your account. If you don't have $100 sitting around as collateral, or if you simply prefer credit cards as a form of payment, this isn't the card for you.

If we look at the other end of the spectrum, late fees are also somewhat steep.

If you miss your payment by 10 days or more, expect to pay a $30 fee. This is just for being an hour late. To put that into perspective, if you were to be 1 minute past due on a credit card with a typical 29.99

This card comes with a 0% intro APR for 12 months on balance transfers, but there is a fee of 3% which you have to pay when the transfer posts. After that introductory period, the variable rate goes up to 17.99%, which is among the best in the industry.

Why is the APR so high?

This card doesn't offer a rewards program or any sort of statement credit. It's primarily a balance transfer card with an above-average intro APR .

While this is not really a standout feature, it also doesn't have any of the downsides that come with other cards, like steep fees and high-interest rates on purchases after the introductory period expires.

It charges no annual fee and has a 0% intro APR on balance transfers for 12 months.

The APRs after the introductory period is 0% to 17.99%. This may seem low, but this is due to the 3% fee on transfers. There are other cards out there with no fee, so consider those if you think you'll transfer a balance from another card.

What if you cannot afford to repay a loan?

It's important to note that Integra Credit only deals in personal loans, so any questions related to repayment or paying off your loan should be directed to the company.

If you've hit a rough patch financially but still need to repay an Integra Credit loan, you can reach out directly at (800) 542-0800.

Types of Loans Does Integra Credit Offers

Integra Bank offers a range of loans, including:

  • Personal Loans
  • Auto Loans
  • Credit Builder Loans

As with the payment process, the repayment terms for these loans may vary from those associated with Integra Credit. If you have questions about a particular loan's repayment schedule, contact the bank directly via phone or through its website.

Are you eligible for the loan?

If you are looking into the Integra Credit 2022, then yes, you are eligible .

As far as credit scores are concerned, this lender takes a pretty liberal approach. It'll issue loans to people with FICO scores of 680 and above. This is much more lenient than other lenders in its field; many won't consider applicants with

How does one apply for the loan?

You can apply for the loan online or over the phone. If you choose to do it online, you'll need to provide the following information: Your name Your social security number Current employment status A rough estimate of your income The amount of collateral you're willing to provide (for this card, $100)

How Good is Integra Credit's Customer Support?

I called and was routed to a representative very quickly.

They answered my question and provided an answer right away.

The rep who helped me was helpful and nice.

I called their customer service department to answer a few questions I had about the card, and they were able to help

What are people saying about Integra Credit?

The only thing that's consistent is the high APR. If you can pay off your loan before the introductory period ends, then this shouldn't be too big of an issue.

As far as the other cons are concerned, they're pretty much universal among balance transfer cards.

The pros and cons of Integra Credit


Low fees for balance transfers No fee on first transfer

Cons High APR after intro period Fees are not waived the first time


High APR after intro period Fees are not waived the first time


The card's big downside is the high APR. It charges 3% on balance transfers, which is on the upper end of the scale. For that fee, you could get a card that doesn't charge fees or has a longer.


Does Integra Credit Charge lateness fees?

Integra Credit does not charge late fees. Keep in mind that the late fee will likely be even higher than 3% on any balance you carry.

What happens when I prepay my loan?

When you fully repay an Integra Credit loan, your balance will show as $0. You can also stop interest charges on the card by paying.

What do I need to qualify for the Integra Credit personal loan?

You need to be at least 18 years old and a permanent resident of the US. You must also have a valid Social Security Number and proof of income (pay stubs and tax returns).

How long will it take before I get the loan?

Once you've submitted your application, it takes up to five business days for the funds to transfer into your bank account. Note that if you apply on a weekend or on a holiday, you won't see the funds by that date.

Does Integra Credit charge an origination fee?

No, Integra Credit does not charge an origination fee.

Are there restrictions to what I can use the Integra Credit personal loan for?

You can use the loan to purchase a car or a boat, pay for school books and fees, cover home repair costs and more.

What are the due dates for payment?

You can choose between a monthly or biweekly repayment schedule, and the minimum due date for either is 22 days after you get your loan.