First Heritage Credit Browns Mill Rd, Johnson City

There are sooo many of these type of places. No reason to settle for this one which is fairly terrible. Getting through college, I unfortunately have had to deal with a few of these and this one is by far the worst and most inconvenient. First of all, I can never see my balance online. It only says “ contact your branch for balance”. I always like to pay some extra on my account and I never know exactly where I stand. Secondly, I went to pay this off early and they don’t take a card in office. It’s 2021. How in the world can you not take a card. You have to do it online or over the phone where guess what? You get charged a fee. No other place charges any kind of fees to simply pay your bill. Ridiculous. When I went to pay it off, I had 3 different balances? My credit report, my balance in my monthly statement in the mail, and the balance I’m told over the phone are all different. Overall, this place is inconvenient, unorganized, and apparently stuck in 1999. Not worth it all. Go elsewhere. I’ve had good experiences at a couple other.

For them to be a loan company you would think they would know how to correctly process payments. I pay the same way every single month, this being my 6th month of paying and am always early. I get the text message receipt for my payments and when I called today to make a payment I asked the woman why I was charged 3 different payment amounts out of the 5 previous payments I had made. You would think I’d asked her to tell me Albert Einstein’s shoe size! She couldn’t answer and just kept repeating how much my payment was. I said I KNOW how much my payment is SUPPOSED to be that is why I’m inquiring about the different charge amounts! Not only that but I’m genuinely SHOCKED they answered the phones because 9 times out of 10 they’re “having issues with their phones”. This place is a joke and I will be paying the loan off early JUST to be done with their mess. Very unprofessional people. They either need to get it together or go out of business.

They are arguing or complaining most of the time. We paid 1,200 on our loan then the next month was told it can not be used as principal that it goes on the payments only. Will never use this company again.

These people are rediculous. Absolutely rude people. if your as far as 1 month late they'll threaten to take u to court. Hilarious. always know ur rights before dealing with them! I recommend ADVANCE FINANCIAL. THE LOAN IS WAY MORE AND UR APR IS WAY LOWER. SCREW THESE PPL. ABSOLUTELY RUDE AND THERE THREATS ARE ILLEGAL. WANTING U TO PAY MORE THAN UR "AGREED PAYMENT" ALSO ILLEGAL. IVE REPORTED THEM TO THE BBB AND TO ANOTHER WEBSITE I FOUND FOR THE GOVERMENT TO INVESTIGATE THESE PPL. ID DEFINITELY 2ND GUESS DEALING WITH THEM. WORLD FINANCE IS A GOOD ONE. BUT ADVANCE FINANCIAL IS 100% A GOOD PLACE.

Terrible loan service. Cant take payments to save their lives and wont take debit cards in person but claim to accept debit payments over the phone. However attempting to pay over the phone and online both ended with them saying they dont have any account with my information. When i brought this up to the people working they basically told me it was my fault that their system was defective and that i'd just have to come back and pay another day (which would be past the due date) and that i would have to pay the late fee because their system wouldnt take my payment. DO NOT EVER accept a loan from these people they are con artists.

Worst company to have a loan threw. They misrepresent there loans outrageous APR. Harassing phone calls all the time trying to up sell new loan to keep you in debt to them. Big mistake doing business with them. And now 3 months after paying them off still on my credit report as a open account. Reported to the BBB.

Friendly people but make sure you go pay your payment way before closing i paid our payment 2 weeks ago and i got there 20 mins before closing and the lady hand wrote me a receipt and we got a bill in the mail today saying we didnt make the payment and i paid it 2 weeks early from the due date. So make sure they enter your payment in the computer and give a reciept that way!

very small business very rude staff didn't have anything to offer other then high interest rates on small amounts 1000 dollars WILL BANKRUPT THESE PEOPLE