Business Details
About
Loan AgencySouthern Management Corporation
Heights Finance in Johnson City, TN (formerly 1st Heritage Credit) offers personal loan options to fit your financial situation with loans up to $10,000 or more. From installment loans, auto loans, debt consolidation to secured and unsecured loans, our friendly representatives are here to help. Apply online, in a branch or by phone today!
Details
- Requires appointmentNot available
- Onsite servicesAvailable
- On-site parkingAvailable
- Wheelchair accessible entranceAvailable
Location
Hours
Reviews
2.4
16 reviews
5 stars
5
4 stars0
3 stars
1
2 stars0
1 star
10
- PCpiggy charlesDec 15, 20255.0They gave me a chance today when nobody would... Thank you guys for helping me so much. I really appreciate it and I highly recommend these people.. they will treat you right .. thanks again.
- TCTracy CollinsDec 2, 20255.0Chris and Kierstyn were the best, They were easy to work with and I was in and out in a timely manner .
- BBBobbieNov 18, 20255.0Kierstyn, one of the best Finance people I have dealt with in the Finance world. Thanks for your help.
- JRJason RJul 22, 20211.0There are sooo many of these type of places. No reason to settle for this one which is fairly terrible. Getting through college, I unfortunately have had to deal with a few of these and this one is by far the worst and most inconvenient. First of all, I can never see my balance online. It only says “ contact your branch for balance”. I always like to pay some extra on my account and I never know exactly where I stand. Secondly, I went to pay this off early and they don’t take a card in office. It’s 2021. How in the world can you not take a card. You have to do it online or over the phone where guess what? You get charged a fee. No other place charges any kind of fees to simply pay your bill. Ridiculous. When I went to pay it off, I had 3 different balances? My credit report, my balance in my monthly statement in the mail, and the balance I’m told over the phone are all different. Overall, this place is inconvenient, unorganized, and apparently stuck in 1999. Not worth it all. Go elsewhere. I’ve had good experiences at a couple other.
Frequently Asked Questions About Heights Finance
What is an installment loan?
An installment loan can be used for a variety of personal reasons, such as paying bills, car repairs, medical expenses, debt consolidation, school expenses, a special purchase or other financial obligations. The amount borrowed is paid back in monthly installments over a fixed period of time.
How does the loan application process work?
We make applying for a loan fast and easy. You can call, stop by the branch or apply online to start the process. We will help you with loan options that fit your situation, your budget and your current needs.
What do I need to apply for a loan?
Please bring two sources of information for identity, residence and income verification. These sources may include government-issued IDs, proof of income, utility or bank statements and others.
Do I need good credit to get a loan?
It helps, but we base our decisions on multiple factors. You may not need stellar credit to receive a loan. The best way to find out if you qualify is to apply today.
How much can I borrow/what are the rates?
Loan terms and rates vary by state and applicant. Please visit a branch to learn more about the loans available.
What can I use as collateral for my loan?
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 visit your neighborhood branch.
Can I apply over the phone?
Yes, please call a branch near you to speak with one of our friendly and knowledgeable team members.
Can I refinance my loan?
If you have a current loan with us, you may be eligible to refinance. Please visit a branch and see a team member for details.
What are your payment amounts?
Payment amounts vary based on a number of factors including loan amount, rate, and term. Our team members will work with you to help find loan that may best fit your needs.
Is there a branch near me?
The Heights Finance family of brands has over 350+ branches in Illinois, Indiana, Kentucky, Missouri, Tennessee, Wisconsin, South Carolina, Georgia, Alabama, Mississippi, Texas and Oklahoma.
How can I make payments?
Payment options include online, mobile app, automated payments from your bank acount, check, money order and debit card payments. Please visit or contact your local branch for more information.
What types of loans does Heights Finance offer in Johnson City, TN?
Heights Finance offers installment loans, auto loans, debt consolidation, secured and unsecured personal loans up to $10,000 or more.
How can I apply for a loan at Heights Finance?
You can apply online, in a branch, or by phone. The loan application process is fast and our representatives will help you find loan options that fit your needs.
What documents do I need to apply for a loan?
You need two sources of information for identity, residence, and income verification, such as government-issued IDs, proof of income, utility bills, or bank statements.
Do I need good credit to get a loan with Heights Finance?
Good credit helps but is not always required. Loan decisions are based on multiple factors, so the best way to find out if you qualify is to apply.
What are the operating hours for Heights Finance in Johnson City?
Heights Finance is open Monday through Friday from 8:30 AM to 5:30 PM and closed on weekends.
Is there wheelchair accessible entrance and onsite parking at the Johnson City branch?
Yes, Heights Finance has a wheelchair accessible entrance and available onsite parking at the Johnson City location.
What nearby places can assist me in managing documents when visiting Heights Finance?
The UPS Store 2542 nearby provides printing, packing, and shipping services, which can help you prepare any documents you need for your loan application.
Are there any educational centers near Heights Finance that might be useful for families in the area?
Yes, Kumon Math and Reading Center is nearby, offering tutoring services that families might consider before or after visiting Heights Finance.
What nearby financial services are close to Heights Finance?
First Heritage Credit and 1st Heritage Credit, offering bank and installment loan services, are located nearby and could be useful for additional financial needs.
How can customers benefit from nearby salons when visiting Heights Finance?
Nearby salons like Miabella's Salon, L'Etoile Nail Bar, and Power of Touch Salon & Spa offer hair and beauty services, making it convenient to combine financial visits with personal care appointments.