Integra Credit vs OppFi (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Integra Credit
Google rating from 2,237 reviews
OppFi
Summary
Both are BBB A+ accredited lenders serving poor credit borrowers, but OppFi offers substantially better terms. OppFi's APR range (59-160%) is materially lower than Integra Credit's high-cost 149-399% range, and provides loans up to $4,000 versus Integra's $3,000 maximum. OppFi also reports to credit bureaus to build credit history, charges no prepayment penalties, and includes a Turn Up program referring eligible borrowers to cheaper lenders. Integra does not list pricing transparency and makes vague claims despite its higher ratings. For borrowers with poor credit seeking real affordability and credit improvement, OppFi is the profile with more supporting context.
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 | | No stored 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 OppFi
Review OppFi if these stored profile signals are relevant to your research: Borrowers with credit scores between 350-600. People denied by traditional lenders who still need a loan. Profile signal to verify: Accepts very low credit scores (350+).
CreditDoc Profile Note
Research Note on OppFi
CreditDoc comparison note: OppFi. OppFi's APR range (59-160%) is half Integra's maximum, offers $1,000 higher loan amounts, reports to credit bureaus for credit building, and includes no prepayment penalties. These factors deliver substantially better long-term financial outcomes.
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 OppFi?
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 OppFi has no listed setup fee.
Which has the higher stored BBB rating, Integra Credit or OppFi?
Integra Credit has an A+ BBB rating (accredited), while OppFi 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 OppFi list refund terms?
Neither profile lists a refund term in the stored comparison data.
How should I compare Integra Credit and OppFi?
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 OppFi for this matchup because: OppFi's APR range (59-160%) is half Integra's maximum, offers $1,000 higher loan amounts, reports to credit bureaus for credit building, and includes no prepayment penalties. These factors deliver substantially better long-term financial outcomes.
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