Integra Credit vs Heights Finance (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Integra Credit
Google rating from 2,237 reviews
Heights Finance
Google rating from 1,728 reviews
Summary
Both lenders offer published application timing with A+ BBB ratings, but serve different borrower profiles. Integra Credit specializes in subprime lending with extremely high APRs (149-399%) and loans up to $3,000, targeting bad-credit borrowers seeking quick funding. Heights Finance, established since 1992 with 390+ branches across 11 states, offers larger loans up to $10,000 and serves mainstream borrowers. For most applicants, Heights Finance provides more cost context, with a 30+ year track record and personal service, though Integra Credit remains the only option for those with poor credit seeking immediate approval.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | No monthly subscription listed | No monthly subscription listed |
| Setup Fee | No setup fee listed | No setup fee listed |
| BBB Rating | A+ | A+ |
| Refund Term Listed | No | No |
| Google Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
How to Compare These Two
CreditDoc Profile Note
Research Note on Integra Credit
Review Integra Credit if these stored profile signals are relevant to your research: Borrowers with very poor credit who cannot access any other lending options. Consumers needing $500-$3,000 with fast online approval and funding. Profile signal to verify: Explicitly serves borrowers with bad credit and claims to evaluate beyond credit scores.
CreditDoc Profile Note
Research Note on Heights Finance
Review Heights Finance if these stored profile signals are relevant to your research: Consumers in the 11 operating states seeking in-person installment lending. Borrowers with limited credit who need storefront lending with local branch service. Profile signal to verify: Loans up to $10,000 available with stated published application timing and provider-stated funding timing potential.
CreditDoc Profile Note
Research Note on Heights Finance
CreditDoc comparison note: Heights Finance. Heights Finance offers more cost context for borrowers comparing these stored profile fields with a 30-year track record, larger loan amounts ($10,000 vs $3,000), and a more stored reputation signals. While both have A+ BBB ratings, Heights Finance's physical branch network and longer history signal a more legitimate lending operation than Integra Credit's extremely high subprime rates.
Check the Context Before You Contact a Company
Use this comparison with each company profile, related category pages, local guides, and CreditDoc data explainers. This page is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
Frequently Asked Questions
Which lists the lower monthly price, Integra Credit or Heights Finance?
Neither profile lists a recurring monthly subscription fee. This does not mean all borrowing, card, usage, interest, or per-transaction costs are free. Setup fees can change first-month cost: Integra Credit has no listed setup fee, while Heights Finance has no listed setup fee.
Which has the higher stored BBB rating, Integra Credit or Heights Finance?
Integra Credit has an A+ BBB rating (accredited), while Heights Finance has an A+ BBB rating. BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do Integra Credit and Heights Finance list refund terms?
Neither profile lists a refund term in the stored comparison data.
How should I compare Integra Credit and Heights Finance?
Compare the profile details, pricing fields, public ratings where available, refund terms, and complaint-response context before contacting either company. CreditDoc's stored comparison note records Heights Finance for this matchup because: Heights Finance offers more cost context for borrowers comparing these stored profile fields with a 30-year track record, larger loan amounts ($10,000 vs $3,000), and a more stored reputation signals. While both have A+ BBB ratings, Heights Finance's physical branch network and longer history signal a more legitimate lending operation than Integra Credit's extremely high subprime rates.
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