Integra Credit vs Mariner Finance

The short version

Integra Credit and Mariner Finance solve different problems, and the gap between them is really a gap in who each one is willing to say yes to. Integra Credit sets no published minimum credit score — its marketing says it looks beyond your score to income, banking history, and state law — and it lends as little as $500. The tradeoff is the price: APR runs 159% to 249% in most states as of September 2026 (149% to 399% in Utah), which makes it expensive emergency credit, not a shop-around product. Anyone who can qualify at Mariner Finance shouldn’t be looking at Integra Credit, and even a borrower who can’t should rule out a credit union, an employer pay advance, or payday loan alternatives first.

Mariner Finance is the other end of that tradeoff. It also sets no published minimum credit score — basing its decision on the amount and term requested, your credit history, income and debt payments, any collateral offered, and your state — but its APR (15.99% to 35.99%, as of September 2026) is dramatically lower, its loan amounts go much higher ($1,000 to $25,000 versus Integra Credit’s $3,000 ceiling), and its terms stretch to six years instead of 21 months. The catch is access: Mariner Finance operates through branches in 29 states, not every loan type closes remotely, and it publishes no funding time at all. Mariner is also the subject of a 2022 lawsuit by the attorneys general of Pennsylvania, New Jersey, Oregon, Washington, and the District of Columbia, which alleges it added insurance and other add-on products to loans without consent, mailed unsolicited “live checks,” and pushed borrowers to refinance; in January 2024 a court denied Mariner’s motion to dismiss, and the allegations have not been proven.

Rates and fees

Integra Credit’s APR runs 159% to 249% in most states it serves (149% to 399% in Utah, over a shorter 10-to-18-month term). Its own rate disclosures state there’s no penalty for paying a loan off early; late fees vary by state — a flat $15 in Texas, or the greater of $30 or 5% of the payment in Utah. It doesn’t describe an origination fee on the pages we checked.

Mariner Finance’s APR runs 15.99% to 35.99%. It doesn’t publish an origination fee, a late fee, or a fee schedule, and notes that the amount financed may include charges other than interest, so the real cost could run higher than a rate alone suggests.

Both lenders offer $2,500, so take a $2,500 loan over 12 months at Mariner Finance (the midpoint of its 15.99%-35.99% range is about 25.99%, with no origination fee published on its personal loan page) against $2,500 over 12 months at Integra Credit (the 159%-249% midpoint is 204%, inside its 12-to-21-month term range). A midpoint is an illustration, and your own rate, fee, and term are what govern. Both lenders’ shortest terms land at 12 months here, so this frame compares the same amount over the same term.

• Mariner Finance, $2,500 over 12 months at ~25.99% APR (midpoint of 15.99%-35.99%), with no origination fee published on its personal loan page: amortize the full $2,500; monthly payment about $238.81, total payments about $2,865.76, total cost roughly $365.76. Mariner doesn’t publish an origination fee or a fee schedule, and notes that the amount financed may include charges other than interest, so the real figure could run higher than this illustration. These are our own amortization figures, not a lender quote. (Georgia residents must borrow more than $3,000 at Mariner Finance.)
• Integra Credit, $2,500 over 12 months at 204% APR, no origination fee described on the pages we checked: an APR already includes any origination fee by definition, so on a loan with no origination fee we simply amortize the full $2,500 you receive at 204% APR over 12 months. That’s a monthly payment of about $501.16, total payments of about $6,014, and a total cost of roughly $3,514 — more than the amount borrowed, in a year. These are our own amortization figures, not a lender quote. In Utah, where Integra Credit’s band is 149% to 399% over 10 to 18 months, the midpoint would be higher still.

Integra Credit’s 159% floor runs about ten times Mariner Finance’s 15.99% floor, and its 249% ceiling runs about seven times Mariner Finance’s 35.99% ceiling — the gap narrows toward the top of both ranges but never closes.

Who qualifies

Integra Credit doesn’t publish a minimum credit score. It asks that you be at least the minimum legal age to contract in your state, a US resident, and hold an active checking account and a valid email address. Mariner Finance also sets no published minimum credit score, weighing the amount and term requested, your credit history, income and debt payments, any collateral offered, and your state.

Mariner Finance serves 18 of Integra Credit’s 24 states (Alabama, Arizona, Delaware, Florida, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Wisconsin); Integra Credit is the only one of the two in Arkansas, Idaho, Michigan, Minnesota, Montana, and Nebraska, while Mariner Finance is the only one of the two in California, Georgia, Illinois, Maryland, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Virginia, and Washington.

Speed and funding

Integra Credit says a loan agreement fully executed by 8 p.m. Central time on a business day, or by 3:30 p.m. Central on a Sunday, typically funds the next business day by ACH. Mariner Finance doesn’t publish a funding time on its personal loan page; you can apply online or at a branch, and not every loan type closes remotely, so a branch visit may be required.

Where each one wins

• Mariner Finance — a far lower APR range at both the floor and the ceiling.
• Mariner Finance — a $25,000 loan ceiling and terms of up to 72 months, against Integra Credit’s $3,000 ceiling and 21-month maximum term.
• Mariner Finance — branch access, a 15-day return policy, and a vehicle-collateral path for applicants who don’t qualify for its lower rates or larger amounts.
• Integra Credit — a $500 loan floor, for a smaller gap than Mariner Finance’s $1,000 minimum.
• Integra Credit — a published next-business-day funding time, where Mariner Finance publishes no funding time at all.

Bottom line

If your credit history, income, and debt payments can clear Mariner Finance’s underwriting, it’s very likely the far less expensive loan, with a higher ceiling and a longer repayment window besides. Integra Credit exists for the gap Mariner Finance’s underwriting won’t reach: no published minimum score and a fixed installment structure, at a price that only makes sense as a short-term bridge. Before either, rule out a credit union or an employer pay advance; bad-credit installment loan options covers how lenders in this range weigh an imperfect file. Read the full Integra Credit review and Mariner Finance review, then start a loan request to see what you actually qualify for.