Lending disclosures
Heights Finance offers personal installment loans from $200 to $5,000. Loan amounts, rates, terms, and availability vary by state and are subject to credit review, verification of income and residency, and your ability to repay. Approval is not guaranteed.
Cost of your loan
Any payment figures or examples shown on this website are illustrative only and are not an offer or commitment to lend. Before you sign a loan agreement, you will receive Truth-in-Lending disclosures stating your annual percentage rate (APR), finance charge, amount financed, and total of payments. Please review these disclosures carefully so you understand the full cost of your loan before you commit.
Credit reporting
Heights Finance may report your account activity to one or more of the major credit bureaus. On-time payments may help you build a positive credit history over time. Late or missed payments may negatively affect your credit.
No minimum credit score
Heights Finance does not publish a minimum credit score requirement. We review multiple factors, including income, residency, and ability to repay. Checking your options uses a soft credit inquiry that does not affect your credit score; a hard inquiry only occurs if you choose to proceed with a loan.
State licensing
Heights Finance is licensed to make loans in the states where it operates. Heights Finance is headquartered in Greenville, South Carolina, and is licensed to make loans in the states where it operates. NMLS and state license information, including license numbers for each state served, is available on request by contacting us using the details below.
Rates and terms
Rates and terms are determined by your application, your state of residence, and applicable law, and may differ from any examples shown. Some states cap the maximum APR or fees that may be charged, and your agreement will reflect the rates and fees permitted in your state. The specific rates, fees, and terms that apply to you are set out in full in your loan agreement and Truth-in-Lending disclosure before you sign.
If you are facing financial difficulty
Borrow only what you can afford to repay. If you are facing serious financial difficulty, consider other alternatives or seek the advice of a qualified financial professional or a nonprofit credit counseling service before taking on new debt.
Contact
For questions about these disclosures or your loan, contact Heights Finance by phone at +1 (866) 472-5189, by email at [email protected], or by mail at Greenville, SC 29602, United States.