No minimum credit score
A score in the 400s or 500s isn't a dead end. Heights Finance sets no minimum credit score, so a low number doesn't automatically rule you out. We weigh your income and ability to repay too, the soft check won't hurt your score, and paying on time can help raise it.
Approval and terms depend on income, residency, and ability to repay, and vary by state. Approval is not guaranteed.
Banks often draw a hard line at a credit score cutoff, which is why a 400 or 500 score gets turned away. Heights Finance weighs several things instead, so your 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:
A score in the 400–500 range usually reflects past missed payments or thin credit history, not whether you can handle a loan today. That's why Heights Finance looks at your current income and budget, not just the number.
There's a soft check up front, no minimum score, and the full cost is shown before you sign — so a low score doesn't mean hidden surprises.
Possibly. There's no minimum credit score, so a score in the 400s or 500s doesn't automatically disqualify you. Heights Finance weighs your income, residency, and ability to repay alongside your score. 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 can help raise your score over time. Late or missed payments can lower it further.
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 →400–500 score OK
No minimum score