Integra Credit vs VIVA Finance, Inc. (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Integra Credit
Google rating from 2,237 reviews
VIVA Finance, Inc.
Google rating from 3,657 reviews
Summary
VIVA Finance offers materially different value with APRs of 11.99–35.99% compared to Integra Credit's high-cost 149–399% rates. VIVA provides loans up to $10,000 with employment-based approval and no prepayment penalties, while Integra caps at $3,000 with opaque fee structures. Both hold A+ BBB accreditation, but VIVA's listed pricing, faster funding (1 business day), and more listed 4.9/5 Google rating give it more context to compare for borrowers seeking affordable personal loans. Integra should only be considered as a true last-resort option for those with severe credit impairment.
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 VIVA Finance, Inc.
Review VIVA Finance, Inc. if these stored profile signals are relevant to your research: Borrowers with bad or limited credit who have stable employment. Employees with 1+ year at their current job seeking personal loans. Profile signal to verify: Employment-based approval — not just credit score, giving access to borrowers traditional banks reject.
CreditDoc Profile Note
Research Note on VIVA Finance, Inc.
CreditDoc comparison note: VIVA Finance, Inc.. VIVA Finance delivers 4–12x lower interest rates (11.99–35.99% vs 149–399%), listed pricing, larger loan amounts ($10,000 vs $3,000), and employment-based underwriting that serves mainstream borrowers. While Integra targets extreme subprime, VIVA is the profile with more context for anyone with a realistic path to traditional lending approval.
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 VIVA Finance, Inc.?
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 VIVA Finance, Inc. has no listed setup fee.
Which has the higher stored BBB rating, Integra Credit or VIVA Finance, Inc.?
Integra Credit has an A+ BBB rating (accredited), while VIVA Finance, Inc. has an A+ BBB rating (accredited). BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do Integra Credit and VIVA Finance, Inc. list refund terms?
Neither profile lists a refund term in the stored comparison data.
How should I compare Integra Credit and VIVA Finance, Inc.?
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 VIVA Finance, Inc. for this matchup because: VIVA Finance delivers 4–12x lower interest rates (11.99–35.99% vs 149–399%), listed pricing, larger loan amounts ($10,000 vs $3,000), and employment-based underwriting that serves mainstream borrowers. While Integra targets extreme subprime, VIVA is the profile with more context for anyone with a realistic path to traditional lending approval.
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