Heights Finance vs OppFi (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
Heights Finance
Google rating from 1,728 reviews
Summary
Heights Finance and OppFi both offer personal installment loans but serve different borrower profiles. Heights Finance, founded in 1992 and headquartered in Greenville, IL, holds a 4.8/5 CreditDoc rating and a 5.0/5 Google rating from 1,728 reviews, emphasizing in-person branch service with named loan officers. OppFi, founded in 2012 in Chicago, carries a 2.7/5 CreditDoc rating and differentiates itself by reporting to credit bureaus and offering no prepayment penalties. Neither company lists pricing, APRs, or fee details in current CreditDoc source data, making direct cost comparison impossible. Both hold A+ BBB ratings. Heights Finance offers stronger customer satisfaction signals, while OppFi provides clearer credit-building features and its Turn Up program may refer eligible borrowers to cheaper alternatives.
Quick Decision Map
Compare Heights Finance if...
Compare Heights Finance if these stored profile signals match your need: Personal installment loans up to $10,000; published application timing with provider-stated funding timing capability; Mobile app for loan management and payments.
Read the full Heights Finance reviewCompare OppFi if...
Compare OppFi if these stored profile signals match your need: Personal installment loans ($500-$4,000); Bad credit accepted (350-600 FICO); Reports to credit bureaus.
Read the full OppFi reviewSide-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | No monthly subscription listed | No monthly subscription listed |
| Setup Fee | No setup fee listed | No setup fee listed |
| BBB Rating | A+ | A+ |
| Refund Term Listed | No | No |
| Google Rating | | No stored Google rating |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
How to Compare These Two
CreditDoc Profile Note
Research Note on Heights Finance
Review Heights Finance if these stored profile signals are relevant to your research: Consumers in the 11 operating states seeking in-person installment lending. Borrowers with limited credit who need storefront lending with local branch service. Profile signal to verify: Loans up to $10,000 available with stated published application timing and provider-stated funding timing potential.
CreditDoc Profile Note
Research Note on OppFi
Review OppFi if these stored profile signals are relevant to your research: Borrowers with credit scores between 350-600. People denied by traditional lenders who still need a loan. Profile signal to verify: Accepts very low credit scores (350+).
CreditDoc Profile Note
Research Note on Heights Finance
CreditDoc comparison note: Heights Finance. Heights Finance demonstrates more customer satisfaction with a 4.8/5 CreditDoc rating and 5.0/5 Google rating across 1,728 reviews, backed by over three decades of lending history and a personalized branch-based service model with named loan officers.
Before You Contact Either Company
- Verify current pricing, setup fees, and cancellation terms directly with the company.
- Read both full CreditDoc review pages before using external signup links.
- Check whether listed refund, return, or satisfaction terms have conditions.
- Confirm APR, fees, repayment schedule, and state-specific availability before applying.
- Check whether prequalification uses a soft or hard credit inquiry.
Check the Context Before You Contact a Company
Use this comparison with each company profile, related category pages, local guides, and CreditDoc data explainers. This page is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
CreditDoc Tools and Guides for This Comparison
If you need a calculator, checklist, course, or deeper guide before contacting either company, start with these CreditDoc resources.
Frequently Asked Questions
Which lists the lower monthly price, Heights Finance or OppFi?
Neither profile lists a recurring monthly subscription fee. This does not mean all borrowing, card, usage, interest, or per-transaction costs are free. Setup fees can change first-month cost: Heights Finance has no listed setup fee, while OppFi has no listed setup fee.
Which has the higher stored BBB rating, Heights Finance or OppFi?
Heights Finance has an A+ BBB rating, while OppFi has an A+ BBB rating. BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do Heights Finance and OppFi list refund terms?
Neither profile lists a refund term in the stored comparison data.
How should I compare Heights Finance and OppFi?
Compare the profile details, pricing fields, public ratings where available, refund terms, and complaint-response context before contacting either company. CreditDoc's stored comparison note records Heights Finance for this matchup because: Heights Finance demonstrates more customer satisfaction with a 4.8/5 CreditDoc rating and 5.0/5 Google rating across 1,728 reviews, backed by over three decades of lending history and a personalized branch-based service model with named loan officers.
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