No minimum credit score
A low credit score doesn't put you out of the running. Heights Finance looks at your whole situation — income, residency, and ability to repay — not just a number. There's no published minimum score, checking your options won't hurt your credit, and on-time payments can help you rebuild.
Approval and terms depend on income, residency, and ability to repay, and vary by state. Approval is not guaranteed.
Traditional banks lean heavily on credit scores, which is why a rough patch can lock you out. Heights Finance weighs several things instead, so a low score is only one part of the picture:
A regular, verifiable source of income matters more than your score. It shows you can handle the monthly payment.
We look at whether the payment fits comfortably alongside your other obligations, not just whether you qualify.
A stable address in a state we serve, with a valid ID, helps confirm your application quickly.
Even with bad credit, a few things make approval more likely and keep your loan affordable:
Be wary of any lender promising "guaranteed approval" or "no credit check" for a real installment loan — those claims are usually a red flag. A responsible lender still checks your credit and your budget, because lending you more than you can repay helps no one.
Heights Finance uses a soft check up front, sets no minimum score, and tells you the full cost before you sign.
Often, yes. There's no published minimum credit score. Heights Finance looks at your income, residency, and ability to repay rather than your score alone, so borrowers with bad or limited credit are encouraged to apply. Approval is never guaranteed.
No. Checking your options uses a soft credit inquiry that doesn't affect your score. A hard inquiry only happens later if you choose to move forward with a loan.
No. Heights Finance does review your credit, but with a soft check up front and no minimum score. We're upfront about this: a lender that reports payments to the bureaus to help you build credit necessarily checks credit too.
It can. Heights Finance reports on-time payments to the major credit bureaus, so paying on schedule helps build a positive history over time. Late or missed payments can set you back.
Check your options in minutes with a soft credit check that won't affect your score. You'll see your exact payment before you commit to anything.
Check your options →Bad credit OK
No minimum score