Heights Finance is a consumer finance company that operates a network of small-loan branches across the Midwest, including Elgin, Illinois. Founded to offer accessible personal lending, the organization emphasizes straightforward loan products and local, in-person service at its office locations. The Elgin office at 2250 Point Boulevard, Suite 315, serves as a storefront for evaluating borrowing needs, processing applications, and disbursing funds under its standard personal-loan framework. Historically, Heights Finance has positioned itself as a community-oriented lender, aiming to provide rapid access to cash for customers who may encounter obstacles with traditional credit channels. The company’s operations focus on direct-to-consumer lending, including loan origination, underwriting, and customer support delivered through a branch-based model. Its footprint in multiple states reflects an emphasis on scale within regulated consumer finance, while maintaining local branch teams to handle individual customer interactions and account servicing. This overview centers on the entity’s nature, reach, and core functions within its industry.
Better than 94% of providers in Elgin
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Find answers to common questions
Heights Finance is listed as a financial service provider in Elgin, IL and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Heights Finance to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Heights Finance, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Heights Finance with other providers in Elgin and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Heights Finance has a rating of 5.0, which is better than 94% of providers in Elgin.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Heights Finance requests. It is always best to call ahead using the phone number on this page so Heights Finance can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Heights Finance also offers: Loan agency.