Loan Questions*

An installment loan is a powerful tool that can be used for a variety of purposes, such as paying bills, car repairs, medical expenses, debt consolidation, school expenses or other financial obligations. Our loans have fixed payments and fixed rates that are typically lower than payday or title loans.

We make loan applications fast and easy. A customer can call, stop by the branch or apply online to start the process. All loan decisions are made at the local branch. We offer loan amounts that fit your situation, your budget and your current needs.

Please bring a driver’s license or government issued photo ID, proof of employment or income and proof of residence.

It helps, but we base our decisions on multiple factors. You don’t necessarily need good credit to receive a loan. The best way to find out is to apply today.

Each individual situation is different and loan terms and rates vary. Please visit or call a branch to learn more about the loan that works best for you.

The collateral that you can use is based on the size of your loan and your credit history. Collateral may include household goods or items that have a title, like a car, boat or motorcycle. To determine which type of collateral is right for your loan, please call your neighborhood branch.

In most cases, you can apply and receive your money on the same day.

Yes, please call a branch near you to speak with one of our friendly and knowledgeable team members.

Heights Finance has over 400 branches in Illinois, Indiana, Kentucky, Missouri, Tennessee, Wisconsin, South Carolina, Georgia, Alabama, Texas and Oklahoma. To locate a branch near you click here.

If you change your mind for any reason within the first three days of your loan, we will cancel the loan at no cost to you.

Refinance Questions*

If you have a current loan with us, you may be eligible to refinance!

Each situation is different, but most customers with money available on their account are eligible to refinance. Please call or visit your branch for more information.

If you have a current loan with us, you may be eligible for more money and time to pay. Please click here for more details.

Yes. Many people refinance personal loans to help with local debt consolidation.

A team member at your local branch will review all the terms of your new loan. Oftentimes, refinancing allows you to defer your payment for 30 days or more.

In many cases you can refinance online. Please call your local branch for more information.

Credit Questions*

It is very important for you to monitor your credit report. Each credit bureau provides the opportunity to obtain a free copy of your credit report annually. Free online credit reports are available at:

You can contact any creditor to be placed on their Do Not Advertise list. However, to remove your name from all pre-screen offers, please call 1-888-567-8688 or visit

Visit the credit bureau websites for more information:

TransUnion visit
Equifax visit
Experian visit

You have the right to dispute any items reported on your credit report. You can contact the major credit bureaus directly or visit them online for assistance.

Simply select your credit bureau to access the information.

Equifax | TransUnion | Experian

Due to privacy issues, we are unable to provide any information or make any corrections by phone or email. Listed below are the instructions on how to file for your credit bureau dispute:

Please notify us if you believe that we may have reported any inaccurate information about your accounts to consumer reporting agencies. Such notices are to be submitted in writing and should include your complete name, current address, social security number, telephone number, account number, specific item of dispute and why you believe the information reported is in error.

Send your notice to:
Heights Finance Corporation
Attn: Credit Bureau Relations
P.O. Box 1947
Greenville, SC 29602

A security freeze is a way for you to control access to your credit. If you have reason to believe that you are a victim of fraud or identity theft or if you are very concerned about the potential of becoming a victim, you may wish to explore the option of placing a freeze on your credit file. Each credit bureau provides online assistance to report fraud, identity theft and procedures for putting a freeze on your file.

Simply select your credit bureau to access the information.

Equifax | TransUnion | Experian

Payment Questions

Payment amounts depend on various factors, including the size of your loan and your budget. Our team members will work with you to customize your loan to best fit your needs.

There are several ways to make a payment. Please visit or contact your local branch for more information.

Electronic payments will show the branch name on bank statements: Heights Finance, Covington Credit, Quick Credit and Southern Finance.

Yes, please call your local branch to get the current pay-off amount. Our team members will be happy to help.

Credit Insurance Questions**

In the event of a sudden, unfortunate event—like an illness, job loss, or even death—our Credit Insurance helps make payments toward or pays-off your loan balance.

If you’re looking for additional peace of mind, Credit Insurance will help reduce your financial risk if something happens to you during the term of your loan.

No. Credit Insurance is entirely optional and will in no way affect the status of your loan. Credit Insurance may also be canceled at any time.

Credit Insurance pays all or part of the covered account balance, subject to coverage terms.

Credit Disability Insurance typically covers some or all of a borrower’s monthly loan payment during a period in which the borrower is unable to work due to a qualifying injury or sickness. The insurance company will make loan payments on behalf of the disabled borrower, directly to the creditor.

Credit Property Insurance will cover the properties you finance or use as collateral from specified losses and/or disappearance.

Credit Involuntary Unemployment Insurance pays a monthly benefit toward your debt if you become involuntarily unemployed. The insurance company will make loan payments on behalf of the unemployed borrower, directly to the creditor.

After a claim has been submitted, the insurance company will pay the amount associated with that claim, as described in the policy to the named beneficiary. Depending upon the loss, the benefit will typically be the full policy amount or half of the policy amount.

Motor Club is a membership program that offers 24/7 roadside assistance through a network of authorized service professionals. Benefits include flat tire assistance, towing, lockout, fuel service and more.

Yes, payments are made directly to the service provider (up to program limits).

*All loans subject to additional terms, limitations, and conditions. **Complete coverage details, including terms, conditions, limitations, and exclusions are stated in your policy. Coverage, terms, conditions, limitations, and exclusions may vary by state. If you have any further questions, we would be happy to assist you in more detail.