Integra Credit vs RISE

The short version

Integra Credit and RISE are both triple-digit-APR installment lenders for borrowers who don’t qualify for a traditional personal loan, and both are expensive emergency credit — a cheaper option, like a credit union or an employer pay advance, is worth ruling out before applying to either; payday loan alternatives is a reasonable first stop. Integra Credit’s APR runs 159% to 249% in most states it serves as of September 2026 (149% to 399% in Utah), over 12 to 21 months, with no origination fee described on the pages checked and no prepayment penalty. RISE’s own site puts its range lower, about 60% to 299% APR (99% to 199% on its Texas and Florida pages), over 7 to 36 months, with no application fee, no origination fee, and no prepayment penalty either.

The two also differ in who lends the money and in their public record. In roughly two dozen states, Integra Credit loans are originated by one of two banks, TAB Bank or Quill Bank, and serviced by Deinde Financial, LLC; elsewhere a licensed Integra Credit company lends directly. RISE, operated by Elevate Credit, Inc., lends directly in some states and through one of two banks, Quill Bank or FinWise Bank, in others, without saying which states use which. RISE’s parent carries a regulatory mark Integra Credit’s pages don’t: in 2020 the District of Columbia’s attorney general sued Elevate over RISE loans priced at 99% to 149% APR against DC’s 24% cap, a case Elevate settled in February 2022 for nearly $4 million, including at least $3.3 million in refunds to more than 2,500 DC consumers; RISE no longer lists DC. Integra Credit’s pages don’t describe credit reporting at all, while RISE reports payment history to one or more bureaus.

Rates and fees

Take a $1,500 loan over 12 months at the midpoint of each lender’s published range, to compare the two on equal footing — a midpoint is an illustration, and the range your own state’s disclosure shows is what governs.

Integra Credit, 204% APR (midpoint of 159%-249%), 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 $1,500 you receive at 204% APR over 12 months. That comes to about $300.70 a month, $3,608.38 total paid, and a total cost of about $2,108.38 in interest. In Utah, where Integra Credit’s band is 149% to 399% over 10 to 18 months, the midpoint would be higher still. These are our own amortization figures, not a lender quote; your actual APR, finance charge, and total of payments are in your loan agreement’s Truth in Lending box.

RISE, 179.5% APR (midpoint of about 60%-299%), no origination fee. An APR already includes any origination fee by definition, so on a loan with no origination fee we simply amortize the full $1,500 you receive at 179.5% APR over 12 months. That comes to about $276.23 a month, $3,314.75 total paid, and a total cost of about $1,814.75 in interest. RISE’s Texas and Florida pages each state a narrower 99%-199% range, so the midpoint in those two states would be lower than the figure above. These are our own amortization figures, not a lender quote; your actual APR, finance charge, and total of payments are in your loan agreement’s Truth in Lending box.

On this comparison, RISE’s midpoint example costs less than Integra Credit’s, though RISE’s own ceiling, and Integra Credit’s own floor, can still cross depending on your state’s published range.

Who qualifies

Neither lender publishes a minimum credit score. Integra Credit requires at least the minimum legal age to contract in your state, US residency, an active checking account, and a valid email address; it doesn’t describe whether its application places a hard inquiry on the pages we checked. RISE’s published requirements are a valid checking account, a valid email address, income above a state-specific minimum that isn’t published, and residence in a state it serves; pre-qualifying is a soft inquiry, but a complete application places a hard inquiry with Clarity Services. RISE’s 30-state list covers all 24 states Integra Credit serves, plus Alaska, Georgia, Hawaii, Nevada, Virginia, and Wyoming — so on the pages we checked, there’s no state where Integra Credit is available and RISE isn’t.

Speed and funding

Integra Credit funds the next business day for loan agreements fully executed by 8 p.m. Central time on a business day, or by 3:30 p.m. Central time on a Sunday. RISE funds the next business day at the earliest: applications processed and approved before 6 p.m. Eastern typically fund the following business day by direct deposit, and a paper check instead takes 7 to 10 days.

Where each one wins

• RISE — an APR floor of about 60% as of September 2026 (99% in Texas and Florida), below Integra Credit’s 159% floor.
• RISE — terms run 7 to 36 months, beyond Integra Credit’s 12 to 21 (10 to 18 in Utah), for a lower monthly payment on a longer schedule.
• RISE — five business days to rescind an online loan; Integra Credit’s pages don’t describe a rescission window.
• Integra Credit — late fees disclosed by state on its own rate pages (a flat $15 in Texas, for example); RISE’s late fee is disclosed only in the loan agreement, not published up front.
• RISE — reports payment history to one or more credit bureaus; Integra Credit’s pages don’t describe credit reporting at all.

Bottom line

RISE’s published floor is well below Integra Credit’s, and its longer terms and five-day rescission window are real advantages; Integra Credit’s per-state late-fee disclosures are a transparency edge in the other direction, since RISE’s late fee is disclosed only in the agreement you sign. Either way, your own state’s range is what decides which one actually costs less. Bad-credit installment loan options is worth reading before you treat either one as your only option. Read the full Integra Credit review and RISE review, then start a loan request to see what you might actually qualify for.