i responded to a mailer in december of 2017 to borrow $1541. i was apprehensive with a rate of 35.9%, but i called the local office with the intention of using the funds for only a couple of months --- i was assured that paying extra principal would reduce my obligation considerably. in short i was mislead ---- totally false information ----- this is exactly the definition of predatory loan practices. interest is calculated on what is referred to as the rule of "78". in short , with all the extra principal i paid within 8 1/2 months ---- working with a 25 month contract virtually saved me nothing. these people work within legal guidelines, but, i assure everyone that reads this i would never do business with heights finance ever again. stay away from this organization.