Integra Credit Alternatives: Lenders Like Integra Credit and What to Do If You Were Declined

If you are looking for alternatives to Integra Credit, you are shopping in one of the most expensive corners of the lending market on purpose or by necessity. Integra Credit’s own rate disclosures put its APR at 159% to 249% in most states it serves (as of October 2026), on loans of $500 to $3,000 repaid over 12 to 21 months — and the range runs even higher for Utah residents. Several other lenders compete for the same borrower, at similar or sometimes lower rates, and a handful of mid-cost lenders cap their APR far below that range if your credit and income clear a higher bar. A lower-cost path may exist before you sign anything at this price.

What Integra Credit offers, in one table

Amount	Term	APR	Fees	States served	How it decides
$500–$3,000	12–21 months (10–18 months in Utah)	159%–249% (149%–399% in Utah)	No prepayment penalty; a late fee that varies by state (a flat $15 in Texas, the greater of $30 or 5% of the payment in Utah)	24 states	No published minimum credit score; approval appears to turn on income, banking history, and state law

Our full Integra Credit review covers the bank that originates its loans in most states, the state-by-state rate pages, and a second worked cost example in Utah.

Lenders in the same bracket

Lender	Amount	Term	APR	States served
CashNetUSA	$100–$3,000	2–12 months	199%–579%	13
NetCredit	$1,000–$10,000	12–60 months	34.99%–99.99% (lower, 34%-36%, in a few states)	Not available in CO, DC, MD, NH, NY, PA, or WV
OppLoans	$500–$5,000	9–18 months	129%–195%	Not available in about a dozen states, including CO, CT, GA, IA, MD, NY, SD, VT, and WV
Personify Financial	$500–$15,000	12–48 months	36%–179.5%	27
Possible Finance	$50–$600	2 months (4 payments)	136%–249%	34
RISE	$500–$5,000	7–36 months	60%–299%	30

CashNetUSA’s product mix runs widest, from an installment loan to a line of credit depending on your state, and its APR ceiling runs above every other lender in this table. NetCredit prices considerably lower than the others here — its 34.99%-99.99% range sits closer to a mid-cost personal loan than a triple-digit payday-style product, and it reports payment history to the credit bureaus. OppLoans caps its APR under the other triple-digit lenders here (195%) and charges no origination fee or prepayment penalty. Personify Financial’s amount ceiling, $15,000, is the largest of this group, and it adds an origination fee of up to 5.99% to the balance. Possible Finance’s loans are the smallest by far — a few hundred dollars at most, repaid in four payments over about eight weeks instead of a longer installment schedule. RISE spreads repayment over the longest terms here, up to 36 months, with no origination fee or prepayment penalty, but its APR ceiling (299%) and a past District of Columbia lawsuit over rates above DC’s cap are worth weighing. State availability differs across all of these, so check your own state on each lender’s page before assuming any of them is an option.

If you might qualify for less

If your credit or income clears a higher bar, these five lenders cap their APR at or under 35.99% — a fraction of Integra Credit’s range, though they also decline many of the people triple-digit lenders accept.

Lender	APR	Minimum credit score	Who it serves
Avant	9.95%–35.99%	580 (typical approved borrower scores 600–700)	Fair-credit borrowers; not available in HI, IA, MA, ME, NY, VT, WA, or WV
LendingPoint	7.99%–35.99%	No published hard minimum; third-party analyses put the practical floor around 640, plus verifiable income of $35,000+	Fair-credit borrowers; not available in CT, IA, MD, ME, NE, NV, VT, WV, or DC
Mariner Finance	15.99%–35.99%	No published minimum; bases rates on credit history, income, and existing debt	Available in 29 states, online and through branches; larger loans or lower rates may require a vehicle as collateral
OneMain Financial	11.99%–35.99%	No published minimum; approves borrowers with scores in the 600s based on income left over after expenses	Not available in AK, AR, CT, DC, MA, RI, or VT; a secured option and 1,300+ branches
Upstart	6.3%–35.99%	No fixed minimum; has approved scores as low as 300 by also weighing education and job history	Not available in IA or WV

Honest framing: these five lenders decline many of the people Integra Credit and the other lenders above accept. A mid-cost lender’s underwriting leans more heavily on verifiable income, an established credit history, or both. Checking your rate with one of them first is still worth the few minutes it takes, since most offer a soft-pull prequalification that doesn’t affect your credit score.

If Integra Credit declined you

Check your state first. Integra Credit’s own rate pages confirm it isn’t available in California, New Mexico, Oregon, or South Dakota, and many other states currently have no live rate page at all. A lender doesn’t lend where it isn’t licensed, no matter how strong an application looks.

Know what Integra Credit actually weighs. Integra Credit doesn’t publish a minimum credit score, and its marketing says it looks beyond your score during underwriting. Approval instead appears to turn on income, banking history, and state law, so a strong score alone does not decide the outcome.

Consider a lower-cost path before reapplying anywhere in this bracket. A credit union’s Payday Alternative Loan (PAL) is capped by federal rule at 28% APR for members who qualify. An employer pay advance or a local 211 assistance line can also cover a short-term gap without new interest. Our guide to payday loan alternatives walks through these options in more depth.

See what the numbers actually look like. Integra Credit’s own Texas rate disclosure gives a real, disclosed example: a $1,700 loan repaid in 19 monthly payments of $294.04 carries an APR of 187.4216%. Multiply that out and the total comes to $5,586.76 — about $3,887 in interest on a $1,700 loan, more than double what was borrowed. That’s Integra Credit’s own figure, not an estimate; your own state’s rate page sets the number that actually applies to you, and Utah’s range runs higher still.

One request instead of seven applications

Comparing lenders one page at a time, like above, is worth doing before you commit to anything in this rate range. If you’d rather not fill out a form on six different lender sites to see who says yes, you can instead start a loan request and see what the lending networks you consent to offer. A loan request is not an application with any lender and does not promise an offer — it’s one more option to weigh alongside the lenders above, not a replacement for comparing them.

For more on what to check before signing any high-APR installment loan, see our guide to bad-credit installment loans, and browse the full installment loans hub for more lender reviews and comparisons.