“Can an online consumer lender serving near-prime/subprime borrowers scale nationally through bank partnership origination while competing on speed and accessibility against payday/installment loan alternatives?”
Integra Credit operates as a consumer fintech lender under parent Deinde Group, LLC, offering online installment loans and lines of credit targeting borrowers with bad or limited credit. The company uses a bank partnership (rent-a-bank) model, originating loans through Transportation Alliance Bank (TAB Bank) and Capital Community Bank to enable lending across state lines under federal bank preemption. The brand positions on fast online decisions and flexible installment structures rather than near-instant approvals tied to traditional credit scores.
Integra Credit discloses Transportation Alliance Bank, Inc. d/b/a TAB Bank as its banking provider, with Capital Community Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Integra Credit does not disclose a bank charter of its own; its banking services are provided through Capital Community Bank.
The Embedded Finance Index 2026 maps 3 layers in Integra Credit's stack: Banking / BaaS (Transportation Alliance Bank, Inc. d/b/a TAB Bank); Lending (Online personal installment loans, Personal line of credit, Bad credit loans and Quick loans); Sponsor bank (Transportation Alliance Bank, Inc. d/b/a TAB Bank and Capital Community Bank).
Integra Credit is headquartered in United States.
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