Heights Finance Reviews: What You Need To Know

Choosing the right financial partner is vital when navigating debt and personal finance. With numerous lending options, it’s crucial to understand how each company operates and what past customers have experienced. This article provides an in-depth review of Heights Finance, highlighting its services, customer feedback, and how it compares to other debt relief options.

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Quick Overview Of Heights Finance

Heights Finance is a regional lender offering personal loans, debt consolidation, and refinancing solutions. With its headquarters in Greenville, South Carolina, the company serves customers in 11 states, including Illinois, Missouri, and Texas. Operating for over 30 years, Heights Finance caters to individuals with diverse financial needs, often focusing on borrowers with less-than-perfect credit.

What Services Does Heights Finance Offer?

Heights Finance provides:

• Personal Loans: Ideal for managing emergencies or consolidating debt.

• Debt Consolidation: Allows borrowers to combine debts into one payment.

• Refinancing Options: Helps adjust existing loans for better terms.

• Credit Insurance: Protects borrowers in cases of unexpected financial setbacks.

Loans are typically processed at local branches, offering a personalized experience. However, high-interest rates and mixed customer reviews suggest that borrowers should evaluate their options carefully.

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How Does Heights Finance Work?

Heights Finance operates primarily through in-branch loan processing but also provides online and phone application options. Borrowers need to provide proof of income, a valid ID, and collateral for most loans. Loan terms include:

• APR Range: 15.99% to 35.99% depending on creditworthiness.

• Loan Uses: Debt consolidation, unexpected expenses, or home improvements.

• Eligibility: Applicants must meet credit and income requirements, with decisions often made quickly.

This localized and personalized approach appeals to borrowers seeking a straightforward loan process.

Debt Consolidation Loans Vs. Debt Settlement

If you’re exploring ways to manage debt, you’ll often encounter two primary strategies:

Debt Consolidation Loans

Debt consolidation involves combining multiple debts into a single loan. This approach simplifies repayment, potentially offering lower interest rates. However, it often extends the repayment period, meaning you might pay more in interest over time.

Debt Settlement

Debt settlement, on the other hand, focuses on negotiating with creditors to reduce the total debt owed. It’s an effective solution for individuals facing significant financial hardship and seeking to resolve debt for less than the original amount.

At CuraDebt, we specialize in debt settlement, helping clients negotiate substantial reductions in their debt.

Heights Finance Reviews

Trustpilot Reviews

Heights Finance has an impressive 4.8-star rating on Trustpilot, with many customers praising their professional service and quick loan approval process.

• Positive Review: “I’ve been with you for a while, and I’ve never had any problems. Every associate has been kind, helpful and understanding.”

• Positive Review: “At the Temple, Texas office, the workers help if you are in need. Makes you feel as family, able to get the job done professionally.”

• Negative Review: “Painful. Endless process for high rate loan. The local office has little or no ability other than to echo the comments from the home office.”

Better Business Bureau (BBB) Reviews

Heights Finance has a 1.17-star customer rating on BBB. Let’s look at some of its complaints

• Complaint: “I refinanced my loan, and it was paying off another loan with another business. The other business has not received the money. Heights says it been cashed, but they won’t share a copy of the deposit with other company for the signature on the back.”

• Complaint: “This company classified my loan as a car loan on my credit report, and it was a personal loan. I ask for this to be remedied by immediately removing it from my credit history.”

WalletHub Reviews

On WalletHub, Heights Finance scores 3.7 stars, with reviews reflecting a mix of positive and critical experiences:

• Positive Review: “Heights Finance is always helping us when we are low on cash. I recommend you go get a loan from Heights Finance.”

• Positive Review: “First time going, clean place and excellent service. Answered all our questions. Will be using them again. I will also recommend them to other friends.”

• Negative Review: “Applied for a loan and got approved, agreeing to the high rate to try to build my credit back up. However, in the middle of signing the paperwork, they changed their mind after I had been sitting there for seven and a half hours. They called the place back and told them they had changed their mind about giving me the loan. I would never recommend this company to anyone.”

Other Experiences

Beyond formal reviews, platforms like Reddit and Yelp offer anecdotal insights.

On Reddit, one user shared receiving a pre-approved loan offer, which another user confirmed was legitimate, praising the company’s transparency. He also mentioned their high fees.

Conversely, on Yelp, a reviewer complained about being charged double the loan amount. This highlights the importance of having a lawyer and keep every document you can.

CuraDebt Reviews

If you’re overwhelmed by debt, CuraDebt can help. With years of expertise in debt settlement and relief, we’ve assisted countless individuals in regaining financial stability.

Here’s what our clients say:

You could be next. Contact us today for your free consultation!

Conclusion: Is Heights Finance The Right Choice?

Heights Finance offers personal loans with localized service and decent Trustpilot reviews. However, high-interest rates and mixed customer feedback on platforms like BBB and WalletHub may raise concerns for some borrowers.

If debt consolidation doesn’t seem like the right fit, CuraDebt’s debt settlement services could be the solution you’re looking for. Take our free consultation today and start your journey to financial freedom!