Business Details
About
Loan Agency
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
2.0
14 reviews
5 stars
3
4 stars0
3 stars
1
2 stars0
1 star
10
- BBBobbie6 days ago5.0Kierstyn, one of the best Finance people I have dealt with in the Finance world. Thanks for your help.
- KMKobayashi MaruApr 21, 20201.0Worst company to have a loan threw. They misrepresent there loans outrageous APR. Harassing phone calls all the time trying to up sell new loan to keep you in debt to them. Big mistake doing business with them. And now 3 months after paying them off still on my credit report as a open account. Reported to the BBB.
- CAChristopher ArrowoodMar 4, 20201.0Terrible loan service. Cant take payments to save their lives and wont take debit cards in person but claim to accept debit payments over the phone. However attempting to pay over the phone and online both ended with them saying they dont have any account with my information. When i brought this up to the people working they basically told me it was my fault that their system was defective and that i'd just have to come back and pay another day (which would be past the due date) and that i would have to pay the late fee because their system wouldnt take my payment. DO NOT EVER accept a loan from these people they are con artists.
- STShelby TilleryFeb 5, 20201.0For them to be a loan company you would think they would know how to correctly process payments. I pay the same way every single month, this being my 6th month of paying and am always early. I get the text message receipt for my payments and when I called today to make a payment I asked the woman why I was charged 3 different payment amounts out of the 5 previous payments I had made. You would think I’d asked her to tell me Albert Einstein’s shoe size! She couldn’t answer and just kept repeating how much my payment was. I said I KNOW how much my payment is SUPPOSED to be that is why I’m inquiring about the different charge amounts! Not only that but I’m genuinely SHOCKED they answered the phones because 9 times out of 10 they’re “having issues with their phones”. This place is a joke and I will be paying the loan off early JUST to be done with their mess. Very unprofessional people. They either need to get it together or go out of business.
- MMMatthew Harris MRHINCJun 19, 20181.0very small business very rude staff didn't have anything to offer other then high interest rates on small amounts 1000 dollars WILL BANKRUPT THESE PEOPLE
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.