Business Details
About
Loan Agency
Heights Finance in Lebanon, 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
4.0
17 reviews
5 stars
11
4 stars
1
3 stars
2
2 stars0
1 star
3
- TTTonisha Turner6 days ago5.0Help came just in time when we were in a pinch. Last week Chelsey helped us out when we didn't even think we'd get approved. Very professional but also built rapport and didn't treat us like a number or just a customer. She took her time and explained everything step by step and set expectations in clear understanding while also showing good humor 😅. I would recommend them to anyone in need. This was a prime example of approving me when others wouldn't!
- JRJoan RoseOct 17, 20255.0Chelsea is always a great person in explaining most of the fine prints and have a great personality. I recommend her lending company to anyone who needs a loan, i've been dealing with them over 4 years.
- CDClifford DudleyJul 2, 20255.0Chelsea was great and very helpful in getting me what I needed and she was also very friendly and I love talking to her!
- TATracy AndrewsJun 23, 20255.0Chelsea was very helpful going above and beyond to help me.
- SHSheila HaysJan 13, 20223.0I opened this loan to build my credit. Opening the loan on a promotion was super easy. They mailed me a check (that I didn't ask for) and all I had to do was deposit it. If you want to make payments toward the principal you have to specifically tell them every time you make a payment, if you are paying more than the min payment amount, to put the extra toward the principal. Otherwise they just apply it to the next minimum payment that is due. They don't tell you that up front and even after discussing it with them they didn't say you had to tell them every time you make a payment. It is difficult to make online payments so you pretty much have to do it in person or call them. The interest rate is extremely high too. They also called way too much to try to get me to borrow more money and sent out mailers at least once a month sometimes twice a month even after I repeatedly told them I wasn't interested. When I did finally try to take them up on it, the process was not easy. They asked me all kinds of questions like I was a new customer even though I had been paying on the loan for over a year. They also asked for collateral to borrow more but that wasn't a requirement when I got the loan. It works for someone who is trying to build credit but it is best to pay it off quickly. I probably won't try to get another loan here in the future.
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 personal loan options does Heights Finance in Lebanon, TN offer?
Heights Finance offers installment loans, auto loans, debt consolidation, secured and unsecured loans with amounts up to $10,000 or more, tailored to fit your financial situation.
How can I apply for a loan at Heights Finance?
You can apply online, by phone, or in person at the branch; representatives are available to help you find loan options that fit your needs.
What do I need to bring when applying for a loan?
Bring two forms of information for identity, residence, and income verification, such as government-issued IDs, proof of income, or utility statements.
Do I need good credit to qualify for a loan at Heights Finance?
Good credit helps, but loans are approved based on multiple factors. You may still qualify without stellar credit by applying and discussing your situation with representatives.
What are the branch hours for Heights Finance in Lebanon, TN?
The branch is open Monday through Friday from 8:30 AM to 5:30 PM, and closed on Saturdays and Sundays.
Are appointments required to visit Heights Finance?
No, appointments are not required; you can walk in during business hours to speak with a representative.
What nearby places can I visit around Heights Finance in Lebanon, TN?
Nearby you can visit Durci Chocolate, a chocolatier and restaurant, and The Café at Durći Chocolate for a café experience, perfect for grabbing a treat before or after your loan visit.
How can I find Heights Finance if I'm visiting First Heritage Credit nearby?
Heights Finance was formerly 1st Heritage Credit and is located near the First Heritage Credit bank, making it easy to find both financial service providers in the same area.
Are there any automotive services near Heights Finance?
Yes, nearby automotive services include Tom Loftis Auto Repair and Restoration and CarTime auto sales & Repair, which can be convenient if you're considering an auto loan or vehicle financing.
What parking and accessibility features are available at Heights Finance?
Heights Finance has onsite parking and a wheelchair-accessible entrance to accommodate all customers comfortably.