Loan Questions*

At Heights, 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. Our loans range from $500 to $10,000 or more depending on your situation, your budget and your current needs.

We base our decisions on multiple factors. You don’t necessarily need credit or good credit to receive a financial loan. The best way to find out is to apply today.

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 speak with a Heights Team Member.

This will be determined by the type of loan. For many loans at Heights Finance, you can get money the same day you’re approved.

For customers applying online, a branch team member will be in contact after evaluating your application. This can take 24 to 48 hours. If you need an answer sooner, please apply by calling or visiting a branch near you.

Heights Finance has over 100 branches in Illinois, Indiana, Kentucky, Missouri, Tennessee and Wisconsin. To locate a branch near you click here.

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.

A team member at your local branch will walk you through all the terms of your new loan. Oftentimes, refinancing allows you to defer your payment for up to 45 days.

Credit Questions*

It helps, but we base our decisions on multiple factors. You don’t necessarily need credit or good credit to receive a financial loan.

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, you need to call toll-free 1-888-567-8688 or visit

Visit the credit bureau website for contact 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, Heights Finance is 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:
Southern Management 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

Each credit bureau may vary on how long information is maintained on your file. Here are the standard timetables:

Chapter 7, 11, and 13 bankruptcies remain on a credit report for 10 years after filing. Chapter 13 bankruptcy records are sometimes taken off after 7 years, depending on the credit reporting agency policy.

Charge-off accounts
If a delinquent account is charged-off, it appears on a credit report for 7 years.

Closed accounts
Delinquent accounts remain on credit reports for 7 years. Positive closed accounts (without late payments or other delinquencies) may appear for more than 7 years.

Collection accounts
Accounts sent to collections can be listed on a credit report for up to 7 years.

When a creditor or lender checks your credit, you’ll see a “hard inquiry” on your credit report. These stay on a report for as long as two years.

Most credit report judgments remain on credit reports for 7 years from the date they were filed.

Late payments
If a late payment is made, a 30 to 180-day delinquency could appear on your credit report for up to 7 years.

Tax Liens – City, county, state and federal tax liens could stay on a report indefinitely. After the lien is paid, the record of it stays on a credit report for 7 years from the payment date.

According to myFICO (the consumer division of FICO), FICO Scores are calculated from many different pieces of credit data in your credit report. myFICO groups this data into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your FICO Scores are calculated. For more information on what affects your credit score, visit myFICO.

FICO Infographic

No. In most cases, payday loans are not reported to any of the three major credit reporting companies.

Payment Questions

There are three simple ways to make a payment. Pay over the phone, online or in person. If you’d like to make an online payment, just click here and login to “MyAccount.”

Login to “MyAccount” and select a Saved Payment Method or set up a New Payment Method, then click the disk icon to save. Select the date you would like to make a payment, then choose Single Payment or Recurring Payment.

Single Payment
For a Single payment, select Pay Once from the dropdown. Under Payment Frequency, click the calendar to select Payment Date.

Recurring Payment
To set up a recurring payment, Select Recurring on Due Date under Payment Frequency. Click Schedule Payment. Your future payments will automatically be scheduled for the remainder of your loan. These payments will occur each month on your due date and default to the payment amount established at your loan closing.

Please click here and select Create an Account then follow the prompts to complete your registration. Have the following information available:

  • Name
  • Date of Birth
  • Email Address
  • Zip Code
  • Social Security # (last 4 digits)

We understand everyone’s situation is unique. If you are having difficulties making your payments, please contact your local branch.

If you pay electronically, payments will be shown on your bank statement as SOUTHERNMANAGE. Southern Management Corporation is the parent company of Heights Finance.

Login and go to the “MyAccount” dashboard. Then, click on your account number. On Account Details, scroll down and sign up for E-Statements. Click on the switch so that the green bar shows up next to eStatements. Click the disk icon to Save Your Selection.

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.