Comparing Crane Finance with Integra Credit

Crane Finance vs Integra Credit: which one, for what

Same question every borrower asks: faster, cheaper, or safer? Both lenders approve bad credit; after that they diverge on price, limits and who regulates them. Side-by-side facts first, verdict second, then the exact situations where each wins.

Facts checked October 15, 2026

Tribal lenderCrane Finance$100 – $1,500 · Not published · 300–700%+ reported

State-licensed online lenderIntegra Credit$500 – $3,000 · Published by state; roughly 99% – 450% depending on product and state

Feature	Crane Finance	Integra Credit
Lender type	Tribal installment lender (Menominee Indian Tribe of Wisconsin)	State-licensed online lender — installment loan or line of credit (varies by state)
Loan amount	$100 – $1,500	$500 – $3,000
APR	Not published · 300–700%+ reported	Published by state; roughly 99% – 450% depending on product and state
Term	Fixed payments on each pay date; number set in agreement	Installment 6 – 24 months · LOC revolving with minimum payments
Funding speed	Next business day · same-day $5 by 6 PM CT	Next business day
Credit check	No bureau minimum; Clarity / DataX / FactorTrust	No FICO® minimum; alternative data
Reports to bureaus	No	Varies by product/state
Fees	$0 origination · $30 NSF · $20 late (10+ days) · no prepay penalty	No origination; late/NSF per state; no prepay penalty
Governing law	Tribal + federal law; tribal arbitration	State licenses; state courts
BBB	C · not accredited · 57 complaints/3 yrs	B range
States	Not published; set at application; WA DFI alert	Published, state-by-state product list

OUR
VERDICT

Integra publishes its rate per state and offers a line of credit — more transparent and more flexible. Crane Finance is a smaller, simpler single loan from a tribal lender.

Common questions

Crane Finance vs Integra Credit — quick answers

Is Crane Finance or Integra Credit cheaper?

Integra Credit: Published by state; roughly 99% – 450% depending on product and state. Crane Finance: Not published · 300–700%+ reported. Integra publishes its rate per state and offers a line of credit — more transparent and more flexible. Crane Finance is a smaller, simpler single loan from a tribal lender.

Which lends more, Crane Finance or Integra Credit?

Crane Finance lends $100 – $1,500; Integra Credit lends $500 – $3,000.

Reading both lenders' agreements before choosing

Compare agreements, not adsThe APR line decides it.

When each wins

Pick Crane Finance or Integra Credit?

Choose Crane Finance when

You need under $500
Integra doesn't offer a product in your state
You specifically want a loan that ends on a schedule, not a revolving line

Choose Integra Credit when

You need $1,500 – $3,000
You want to see the APR for your state before applying
You'd rather have a state-licensed lender and state-court recourse

All comparisonsOppLoans · Fineday Funds · Uprova · Integra Credit Crane Finance rates & feesEvery published fee and reported APR Apply $200–$5,000One request, multiple lenders

All comparisonsFour lenders in one table Crane Finance vs OppLoansRates, limits, which is better Crane Finance vs UprovaRates, limits, which is better Crane Finance vs Fineday FundsRates, limits, which is better

Sources: cranefinance.com (rates-and-terms, FAQ) · BBB profiles · integracredit.com state rate pages; our Integra Credit site research. Checked October 15, 2026. Third-party figures are those lenders' published terms at the time of checking and may change; we are not affiliated with Integra Credit.