Our straightforward application process takes you from rate check to funding in as little as 24 hours. Discover how we make financing simple, transparent, and tailored to your needs.
We've designed our loan application process to be straightforward, fast, and transparent. Here's how to get started with Integra Finance.
Complete our simple online form to check your personalized rate in minutes. This won't affect your credit score and gives you an instant overview of your loan options.
Select from personalized loan options with various terms, rates, and monthly payments. Our transparent approach means you see all costs upfront with no hidden fees.
Complete your application by securely uploading the required documents. Our streamlined verification process is designed to be quick and hassle-free.
Once approved, your funds are quickly transferred to your account, often by the next business day. Setup automatic payments for hassle-free repayments.
Our streamlined digital application process eliminates paperwork and delays. Most applicants receive funds within 24 hours of final approval, compared to the industry average of 5-7 days.
We believe in complete transparency throughout the lending process. All fees, rates, and terms are clearly presented upfront, with no hidden charges or surprise penalties.
Our advanced algorithm considers over 200 data points to offer loan options tailored to your specific financial situation, not just your credit score, resulting in better rates for more borrowers.
Our UK-based customer service team is available to guide you through every step of the process, answering questions and providing support throughout your loan journey.
Understanding our basic eligibility criteria and documentation requirements helps ensure a smooth application process.
You must be at least 18 years old (21 for certain loan types) and a UK resident.
You must have a regular source of income that can be verified (employment, self-employment, pension, or other consistent income).
You need an active UK bank account for direct deposit of funds and to set up automatic repayments.
While we consider applications across the credit spectrum, we do check your credit history. Poor credit may affect rates but not necessarily eligibility.
Your existing debt obligations should allow for the additional loan repayment within our affordability guidelines.
Valid government-issued photo ID (passport, driving license) to verify your identity.
Recent utility bill, bank statement, or council tax bill (dated within the last 3 months).
Recent payslips, tax returns (for self-employed), or pension statements to verify your income source.
Last 3 months of bank statements to verify your income and expenditure patterns.
Depending on loan type and amount, additional documentation may be required (property details for secured loans, business plans for business loans, etc.).
Explore our range of loan products to find the solution that best matches your financial needs.
| Loan Type | Amount Range | Term Length | Typical APR | Processing Time | Best For |
|---|---|---|---|---|---|
| Personal Loans | £1,000 - £25,000 | 1-7 years | 5.9% - 19.9% | 24-48 hours | Debt consolidation, major purchases, home improvements |
| Business Loans | £10,000 - £500,000 | 1-10 years | 4.5% - 16.9% | 3-5 days | Business expansion, equipment, working capital |
| Mortgage Loans | £50,000 - £1,000,000 | 5-30 years | 3.2% - 5.8% | 7-14 days | Home purchases, remortgages, buy-to-let |
| Debt Consolidation | £5,000 - £50,000 | 2-10 years | 6.5% - 17.9% | 24-72 hours | Combining multiple debts, lower interest rates |
| Home Equity Loans | £25,000 - £250,000 | 5-25 years | 3.5% - 8.9% | 5-10 days | Home improvements, education, major expenses |
Swipe horizontally to see all loan details →
Get answers to the most common questions about our loan application process.
Our online application can be completed in as little as 5 minutes. Most applicants receive an instant decision, with full verification and funding typically completed within 24-48 hours for personal loans, and slightly longer for mortgage and business products.
No, checking your rate with Integra Finance uses a soft credit check that doesn't impact your credit score. A hard credit check is only performed when you decide to proceed with a formal application after reviewing your personalized offers.
Our interest rates are personalized based on multiple factors including credit history, income, loan amount, term length, and current market conditions. Unlike many lenders, we look beyond just credit scores to provide competitive rates to a broader range of customers.
We pride ourselves on transparency. Most of our loans have no application fees or early repayment charges. Some specific loan products may include an arrangement fee (typically 1-2% of the loan amount), which is clearly disclosed before you accept the loan.
Yes, we consider applications from people with all credit backgrounds. Our holistic approach looks at your current financial situation, not just your credit history. While rates may be higher for applicants with lower credit scores, we offer solutions across the credit spectrum.
Repayments are typically made via Direct Debit from your bank account on a monthly basis. You can choose your preferred payment date during the application process. We also offer an online account portal where you can manage your loan, make additional payments, or adjust your payment schedule if needed.
Hear from customers who have successfully navigated our loan process and achieved their financial goals.
"After struggling with multiple credit card debts, I turned to Integra for a debt consolidation loan. The process was incredibly simple - I completed the application in one evening, uploaded my documents the next morning, and had funds in my account by the following day. Now I have one manageable payment and will be debt-free three years sooner."
Debt Consolidation Loan
"Expanding our cafe business seemed impossible with traditional banks requiring mountains of paperwork and weeks of waiting. Integra's business loan process was refreshingly straightforward. Their team understood our vision, provided personalized advice, and delivered funding when we needed it. We've now successfully opened our second location!"
Business Expansion Loan
"As first-time homebuyers, we were overwhelmed by the mortgage process. Integra made it simple with their step-by-step guidance and personalized approach. Their mortgage specialist explained everything clearly and found us a rate that was 0.5% lower than what our bank offered. From application to moving day was just under three weeks!"
First-Time Homebuyer Mortgage
Check your rate in minutes with no impact on your credit score.
