Integra Credit vs LendingPoint


Feature	Integra Credit Deinde Financial, LLC	LendingPoint LendingPoint, LLC
Rating	3.3	4.1
Loan Type	installment	personal
APR Range	159% - 249%	7.99% - 35.99%
Loan Amount	$500 - $3,000	$1,000 - $36,500
Term Length	12 - 21 months	24 - 72 months
Pros	Fixed monthly payments instead of a payday loan's single balloon due date No prepayment penalty for paying a loan off early No published minimum credit score	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check
Cons	Triple-digit APRs even at the low end of the range Not offered in every state, and the state list changes Utah borrowers see a wider, higher rate band than the rest of the map	Origination fee up to 10% deducted from loan proceeds Not available in 9 states and DC Longer terms mean more interest paid over time
Requirements	At least the minimum legal age to contract in your state of residence US resident Active checking account Valid email address	At least 18 years old Credit score typically 640 or higher (no published hard minimum) Verifiable annual income of $35,000+ Active US bank account
	Review	Review

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