I've had four loans with them and paid off three. They've been excellent. Sure, interest rates are high, but payments are low. Pay a little extra each month and it knocks it right down. I would recommend them to anyone. I started with them because they just sent me a check in the mail. I deposited it and I've been happy with them since. I've been in to their office twice. I've found the staff easy to deal with both times. If your credit is a bit dicey, but you have some assets, Heights Finance will help you out, more than likely. My only advice, as I mentioned above is pay down the loan quickly. What you pay extra is applied to payments first, not principal, so if you have to, you can make a smaller payment later if you need to.