Personal loans at a glance
- Loan amounts
- $200–$5,000
- Repayment terms
- 3–24 months, equal monthly payments
- APR range
- 12.9%–35.99% (varies by state, amount, term and credit profile)
- Prepayment penalty
- None
- Application
- 100% online, takes a few minutes
- Funding
- Often as soon as the next business day after approval
- Available to
- U.S. residents aged 18+ in participating states
Approval is not guaranteed. Representative example: a $1,000 loan repaid over 12 monthly payments at 24.99% APR would have a monthly payment of about $95.04 and a total repayment of about $1,140.47.
Borrow the amount you actually need
Our personal loans are designed for smaller, everyday financial needs. Instead of a large, long-term commitment, you can borrow a modest amount, repay it in equal monthly payments, and move on. Every loan includes a clear repayment schedule and a total cost you can see upfront.
Because every state has different lending rules, available amounts, terms and fees vary by location. You will see your specific options when you apply.
Find the right loan for your need
Emergency Loans
Cover urgent, unexpected costs without waiting for payday.
Car Repair Loans
Get back on the road without draining your savings.
Medical Bill Loans
Spread out the cost of dental, vision and medical bills.
Home Repair Loans
Fix leaks, appliances and small renovations quickly.
Bad Credit Loans
A fair look at your application, not just your score.
Bill Payment Loans
Catch up on rent, utilities and essential bills.
How a personal loan compares
| Option | How it works | Best for |
|---|---|---|
| Personal loan (Integra) | Fixed monthly payments, set term, no prepayment penalty | Predictable budgeting |
| Credit card cash advance | Often high fees and interest starting immediately | Very short-term, small needs |
| Overdraft | Fees can add up quickly per transaction | Brief, minor shortfalls |
| Payment plan with provider | May be interest-free — ask first | When the biller offers it |
General comparison only. Costs vary by provider — always read the full terms before you borrow.
What every loan includes
- Fixed monthly payments and a fixed term (3–24 months)
- APR between 12.9% and 35.99%, shown before you sign
- No prepayment penalty
- Secure online application and e-signature
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