We look beyond credit scores to offer fair financing options with transparent terms and opportunities to rebuild your credit.
Fair, transparent financing options designed to help you move forward
We look beyond credit scores, considering your income, employment history, and overall financial picture
Competitive interest rates for your credit profile, with no hidden fees or predatory terms
We report payments to credit bureaus, helping you rebuild your credit score with each on-time payment
We believe in second chances and helping you move forward
Poor credit can happen to anyone through various circumstances:
Missed payments due to temporary financial hardship
Unexpected medical bills or emergency expenses
Job loss or reduced income leading to financial strain
Lack of credit history for young adults or newcomers to the UK
Previously having to use high-interest lending options
At Integra Finance, we understand that your credit score doesn't tell your whole story. We provide fair financing options based on your current financial situation, not just your past.
Fast, straightforward steps to get the financing you need
Complete our simple application with basic personal and financial information in just 5 minutes.
We evaluate your application holistically, looking at more than just your credit score.
Receive a personalized loan offer with clear terms and rates designed for your situation.
Once approved, funds are transferred to your account, often within 24 hours.
Flexible financing solutions for different credit profiles
Loan Amount
£500 - £15,000
Interest Rate
From 12.9% APR
Term Length
1 - 5 years
Multi-purpose loans that can be used for debt consolidation, home improvements, or major purchases.
Loan Amount
£1,000 - £25,000
Interest Rate
From 14.9% APR
Term Length
1 - 7 years
Combine multiple debts into a single payment, potentially with a lower overall interest rate.
Loan Amount
£5,000 - £100,000
Interest Rate
From 9.9% APR
Term Length
3 - 25 years
Use your property or other valuable assets as security to access larger loan amounts with lower interest rates.
Transparent pricing and flexible terms
| Loan Feature | Details |
|---|---|
| Loan Amount | £500 - £15,000 (unsecured) |
| Interest Rate | From 12.9% APR (representative example) |
| Loan Term | 1 - 5 years |
| Decision Time | Within 24 hours |
| Credit Score Requirement | No minimum (holistic assessment) |
| Fees | No arrangement fees, no early repayment penalties |
*Representative Example: Borrowing £5,000 over 3 years at 12.9% APR would cost £168.28 per month, with a total repayment of £6,058.08
Check Your RateHow our loans can help improve your credit score over time
We report all your on-time payments to major credit bureaus, helping to establish a positive payment history
Adding a new type of credit to your profile can improve your "credit mix," which accounts for 10% of your credit score
Using a personal loan to pay off credit cards can improve your credit utilization ratio, which positively impacts your score
Establish regular on-time payments which begin to be reported to credit bureaus.
Initial positive impact to your credit score as payment history builds and credit mix improves.
More significant improvements in credit score with continued on-time payments and reduced overall debt.
Substantial credit score improvement with potential to qualify for better rates on future borrowing needs.
Establish regular on-time payments which begin to be reported to credit bureaus.
Initial positive impact to your credit score as payment history builds and credit mix improves.
More significant improvements in credit score with continued on-time payments and reduced overall debt.
Substantial credit score improvement with potential to qualify for better rates on future borrowing needs.
How our bad credit loans have helped people rebuild their finances
"After going through a divorce, my credit score took a major hit. Other lenders wouldn't even look at my application, but Integra Finance gave me a chance. Their rates were fair, and after a year of on-time payments, my credit score improved by over 100 points. I'm finally back on track."
Credit score improved from 480 to 625
"I needed to consolidate high-interest credit card debt, but my 550 credit score made it nearly impossible to find a reasonable rate. Integra offered me terms I could actually afford, and the process was respectful and dignified. Not only did I save money, but my credit score is now above 650."
Consolidated £12,000 in credit card debt
"As a young person with limited credit history and a medical bill that derailed my finances, I struggled to find anyone who would lend to me. Integra didn't just see my low credit score – they took the time to understand my situation. 18 months later, I've paid off my loan and qualified for a car loan at a standard rate."
First-time borrower with limited credit history
Get answers to common questions about our bad credit loans
We don't have a strict minimum credit score requirement. Instead, we assess each application holistically, considering factors like your income, employment stability, and current financial situation alongside your credit history.
Our rates are typically much lower than those offered by payday lenders and many other bad credit specialists. While rates start from 12.9% APR, the exact rate depends on your specific circumstances. We always aim to provide the most competitive rate possible based on your profile.
We perform a soft credit check initially, which doesn't impact your credit score. Only if you choose to proceed with a full application will we conduct a hard credit check, which may temporarily lower your score by a few points. However, consistent repayments on your loan can help improve your score over time.
Most applications receive a decision within 24 hours. Once approved, funds are typically transferred to your bank account within 1-2 business days. Some customers receive their funds the same day of final approval.
Having a CCJ (County Court Judgment) or past bankruptcy doesn't automatically disqualify you. We consider when these occurred and your financial behavior since then. Discharged bankruptcies and satisfied CCJs from more than a year ago may still allow you to qualify for our loans.
Check your rate in minutes with no impact on your credit score.
