Loans from $200–$5,000 · Apply online in minutesQuestions? Call (800) 555-0142 · Mon–Fri 8am–8pm · Sat 9am–5pm (ET)
Smiling woman relaxing on a leather sofa while using her smartphone to apply for a personal loan
Transparent online lending

Integra Credit personal loans from $200 to $5,000, made simple.

Apply online in minutes, see your full terms upfront and repay with fixed monthly payments.

$1,000
$200$5,000

Check My Options

Checking options is free. Approval is not guaranteed.

256-bit encryptionNo prepayment penaltyTerms shown upfront
Minutes to applyShort, mobile-friendly form
Fixed paymentsSame amount every month
Secure & privateYour data is never sold
Real peopleFriendly U.S. support
Loans for real life

Choose the loan that fits your situation

Whatever you need to cover, you can borrow $200–$5,000 with clear terms and repayment that fits your budget.

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Emergency Loans

Cover urgent, unexpected costs without waiting for payday.

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Car Repair Loans

Get back on the road without draining your savings.

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Medical Bill Loans

Spread out the cost of dental, vision and medical bills.

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Home Repair Loans

Fix leaks, appliances and small renovations quickly.

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Bad Credit Loans

A fair look at your application, not just your score.

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Bill Payment Loans

Catch up on rent, utilities and essential bills.

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How it works

Four simple steps from application to funds

No branch visits, no paperwork piles. Everything happens online, at your pace.

Loan amount$1,000Continue

Apply online

Tell us how much you need and share a few basic details. It takes just a few minutes.

Your offer$95.04/ month12 months$

Review your offer

See your rate, monthly payment and total cost clearly before you decide.

Sign here

Sign securely

E-sign your agreement from your phone or computer — no paperwork, no printing.

Your account+$1,000$

Get your funds

Approved funds are sent to your bank account, often as soon as the next business day.

See the full process
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Why Integra Credit Funding

Lending that respects your time and your wallet

Small loans should not come with big surprises. We built our process around three promises.

  • Total transparency. Your APR, payment and total repayment are shown before you sign.
  • Flexible repayment. Choose terms from 3 to 24 months and repay early with no penalty.
  • A fair look at every applicant. We consider income and stability, not only a credit score.
  • Responsible by design. We encourage you to borrow only what you can comfortably repay.
About Integra Credit Funding
Built for you

Everything you expect from a modern lender

Fast decisions

Complete one short form and move quickly to your decision.

Flexible terms

Pick the repayment length that works with your pay cycle.

Bank-level security

Encryption and strict access controls protect your data.

Human support

Call, email or chat with a real person whenever you need.

Know before you borrow

Estimate your monthly payment in seconds

Use our free loan calculator to explore different amounts and terms. See your estimated payment, total interest and total repayment instantly.

  • Adjust the amount from $200–$5,000
  • Compare 3 to 24-month terms
  • Understand the true cost of borrowing
Open Loan Calculator
Estimated monthly payment$95.04 Loan amount$1,000 Term12 months Total repayment$1,140.47 Total interest$140.47 $
Eligibility

Do you qualify? Check the basics

  • You are 18 years of age or older
  • You are a U.S. citizen or permanent resident
  • You have a regular source of income
  • You have an active checking account
  • You have a valid phone number and email address

Final eligibility, amount and terms depend on your state and a review of your application. Read the full eligibility guide →

Woman checking her phone while placing a photo ID on a folder of documents before applying for a loan

Borrow responsibly

A personal loan is a serious commitment. Before you apply, review your budget, compare alternatives, and borrow only an amount you can comfortably repay on time. If you are struggling with debt, free non-profit credit counselling is available.

Our responsible lending commitment
Money guides

Smart reading before you borrow

FAQ

Answers to common questions

How much can I borrow?
You can apply for a personal loan from $200 to $5,000. The amount you are offered depends on your state, income and overall credit profile.
How do I apply?
Complete our short online application in a few minutes. You will choose an amount, share basic personal and income details, and review your options before accepting anything.
What do I need to apply?
You must be at least 18, a U.S. resident, have a valid ID, an active checking account, a regular source of income, and a working phone number and email address.
What is the APR?
APRs range from 12.9% to 35.99% depending on your state, loan amount, term and credit profile. Your exact APR is shown before you sign.
How long are the repayment terms?
Terms range from 3 to 24 months, depending on the amount and your state's rules.

View all FAQs →

Ready to see your options?

Check your loan options in minutes. It is free to start, and you will see your terms before you accept anything.

Start Your Application