Information
About Lender
Heights Finance is a financial solutions company that offers multiple credit options. Heights Finance is a family of credit companies including Covington Credit, Quick Credit and Southern Finance. Stanley L. Butler founded Heights Finance in 1992 in Greenville, South Carolina. The goal is to help hardworking Americans in tough spots. They see each of their customers as a person not a profit. Today Heights Finance has helped over 1 million customers solve their financial problems with affordable loan programs.
Heights Finance is located in Greenville, South Carolina. The company has over 400 locations in 11 states: Illinois, Indiana, Kentucky, Missouri, Tennessee, Wisconsin, South Carolina, Georgia, Alabama, Texas and Oklahoma. Not all states have an online application and some borrowers may need to visit the branches in person. The company offers multiple credit services.
Key Features
Personal Installment Loans. Heights Finance offers personal installment loans so you can get the money you need when you need it. Apply online or at one of 400+ locations.
Respectful and Compassionate Service. Heights Finance knows everyone faces financial challenges at some point and doesn’t judge their customers. They provide great service and smart management to help customers with their financial needs which is proven by 4.9 rating on Trustpilot.
Family of Brands. Heights Finance is a financial services company behind a strong family of brands including Southern Finance, Covington Credit and Quick Credit.
Branch Network. The Heights Finance family of brands has over 400 locations in 11 states in the Midwest, South and Southeast so their services are convenient to their customers.
Pros and Cons
Pros
Cons
Reliabilty
How to Apply for a Heights Finance Loan?
Go To The Website. Visit the Heights Finance official website.
Click Apply Now. Select the "Apply Now" button to start your application.
Enter Your Location. Provide your current location to find nearby branches.
Choose A Branch. Select the branch you want to apply with.
Click Apply Now. Proceed by clicking "Apply Now" again.
Enter Personal Information. Input your date of birth, name, email, phone number, ZIP code, and best time to contact you.
Enter Financial Information. Provide your net monthly income, monthly rent, other monthly obligations, and Social Security Number (SSN), then click "Get My Offer."
Follow The Application. Complete the rest of the application as guided to submit your loan request.
Conditions and Requirements
Conditions
Requirements
Ways to Recieve the Money
Products
Other Personal Loans
Reasons for Loan Refusal
Heights Finance may deny loan applications due to insufficient income, high existing debt, poor credit history or residing in a state where they don’t operate. Applicants must also meet specific requirements including being of legal age, having a valid bank account and email address and being a U.S. resident. Providing incomplete or inaccurate information during the application process can also lead to denial. Prospective borrowers should make sure all information is accurate and review the company’s requirements to increase chances of approval.
How to Repay a Heights Finance Loan?
To pay a Heights Finance loan borrowers have several options. Payments can be made online through the MyAccount portal where you can set up automatic payments or make one-time payments using a bank account or debit card. Or payments can be made in person at a local branch via ACH, check, money order or debit card. For extra convenience Heights Finance offers an online Payment Center for quick payments. Note payment options may vary by state so it’s best to contact your local branch or visit the Heights Finance website for more information.
Loans like Heights Finance
OppLoans
OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.
Rise Credit
RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.
OneMain Financial
OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.
Universal Credit
Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.
Editorial Opinion
Heights Finance offers installment loans and financial products for individuals who may not have access to traditional credit. With 400+ locations across 11 states and an online payment portal, Heights Finance makes it easy to manage and repay loans. While they are known for being accessible and customer friendly, borrowers should review loan terms as rates are higher than traditional financing.
Important
Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.
How to Choose a Lender
Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.
Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.
Carefully review all the terms and conditions of your payday loan contract.
Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.
Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.
Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.
Additional Resources
- Full Heights Finance Account Review
- How to Apply for a Heights Finance Loan
- How to Repay a Heights Finance Loan
- All Heights Finance Coupons and Promo for October 2026
