Loan Questions*

Apply at your local branch, online or over the phone. All you have to do is answer a few simple questions to get the process started.

You’ll need a driver’s license or government issued photo ID, proof of employment or income and proof of residence.

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

Qualified borrowers may be eligible to get up to $1,400. Each individual situation is different and loan terms and rates vary. Please visit or call a branch to learn more about the loan that works best for you.

Yes, please call a branch near you to speak with one of our friendly and knowledgeable loan professionals.

An installment loan is a powerful tool that can be used for a variety of purposes, such as paying bills, car repairs, medical expenses or other financial obligations. Our loans have fixed payments and fixed rates that are typically lower than payday or title loans.

Personal loans can be used for a variety of purposes. Some customers use their loan proceeds to pay for medical expenses, bills, car repairs, moving costs and to help cover unplanned emergency expenses. We have also seen customers utilize a personal loan instead of other high-interest credit options.

In many situations, collateral is not required to receive a personal loan, which is a huge benefit to many customers. Another advantage is that our loans can be less expensive than high-interest credit cards or other credit options. You can use personal loans for a variety of different reasons, including home repairs and unexpected expenses. Some customers even use their personal loan to consolidate different debts into a single monthly payment.

Our process is fast and easy. We can help you qualify for a personal loan and get you your money within minutes. In fact, most appointments only take between 30 and 40 minutes.

Each customer’s situation is different. To learn if you qualify for a personal loan, please call/visit your local branch or click here to apply.

Refinance Questions*

Yes, eRefi is now available for anyone who is interested in refinancing online. eRefi is a faster, more convenient way to refinance your loan without visiting a branch.**

If you have a current loan with us, you may be eligible to refinance!

Yes. Many people refinance personal loans to help with local debt consolidation.

Each situation is different, but most customers with money available on their account are eligible to refinance. Please call or visit your branch for more information.

We offer cash loans up to $1,400. However, each customer’s situation is different, please call your local branch to start the eRefi process and learn more.

You can complete the entire process without visiting a branch.** However, you will need to call your local branch to talk with a team member. They will help facilitate the process and figure out what options are available.

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 30 days.

For any additional questions or concerns, please reach out to your local branch. Our employees will be happy to help address your comments and find an effective solution. Remember, we are always here to help!

Payment Questions

Finance payment amounts depend on various factors, including the size of your loan and your budget. We’ll work with you to customize your loan to best fit your needs.

There are several ways to make a payment. Please visit or contact your local branch for more information.

You will have the option to print your receipt or have it emailed directly to you.

If you pay electronically, payments will be shown on your bank statement as SOUTHERNMANAGE. Heights Finance Holding Co. is the parent company for Covington Credit, Quick Credit and Southern Finance.

Yes, be sure to call your local branch first to get the current pay-off amount. They’ll be happy to help.

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. **Electronic refinancing is not available where prohibited by law. ***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.

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