Don’t let the holidays catch you off guard; call, apply online, or visit your nearest branch! 

ABOUT US

Heritage Finance Company, Inc. is a family owned company proudly serving our local customers right here in Western North Carolina. The company was founded in Marion, NC in 1998 by Mr. Don Harrison. His widow and children now own the company. Mr. Steve Harrison serves as the company President.

The company has expanded from a single office located in Marion, NC and now operates in five WNC cities; Marion, Waynesville, Arden, Burnsville, and Lenoir. Each office provides a friendly family atmosphere and strives to help our neighbors by providing financial loans in the most effective way possible. While we cannot help everyone, we do try. Our knowledgeable staff has worked in the finance industry for 25 years and all branches are prepared to help you meet your financial needs.

We are a financial institution offering quality affordable small loans including Starter Loans, Auto Loans, Personal Loans and Retail Sales Loans to our community members. Potential customers may call, come by any of our 5 locations, or fill out our new customer application form online. Upon approval, funds may be available the same day. Please note that we can only loan to North Carolina residents only with valid Identification.

Locals helping locals is our motto. Don’t do without; let us help you meet your financial needs. 

• All loans are subject to our credit policies.
• Heritage Finance reports directly to the Credit Bureau.
• We look forward to assisting with your financial needs.

SAFETY FIRST

If there’s a chance you may have been exposed to COVID-19 or have any of the following symptoms:  fever, cough, runny nose, sore throat or difficulty breathing, for your safety and for our employees safety we can accept payments 2 ways:

1.Call your local office and make a payment via Credit Card.

   2. Call your local office when you arrive and we can take your payment while you stay in your car.

We can also process a loan for you by using our online application and a phone call with one of our associates.
If approved we can bring you your cash and have you sign paperwork from your car as well. We apologize for any inconvenience and pray you all stay safe during this outbreak.

HFC offers personal loans from $500 to $10,000. This loan may be used as a way to pay for debt consolidation and to help the borrower meet unexpected financial needs. These needs may include medical bills, insurance premiums, tax debt, home or car repair, tuition, vacation expenses and many others. This loan may require only a personal property list such as televisions, computers, mowers, firearms, and other personal items. Any loan exceeding $1500 requires a title(s) to a vehicle as collateral. This loan helps the borrower meet an unforeseen financial need and provide the ability finance the need over time.

HFC offers the consumer sales loan which is especially useful to the consumer wanting to purchase a tangible item or service such as an appliance, mower, furniture, wheels and tires and more. This loan may also be used to purchase needed services such as roof repair, auto repair, home improvement services and others. This loan is offered at a rate less than a personal loan or an auto loan to well-qualified consumers. Sales accounts provide a means for financing planned purchases over a fixed period of time.

HFC offers auto loans on vehicles of all ages, makes, and models and on vehicles with mileage up to 180,000. Want that dream car or the family has grown out of your current car? This loan enables the borrower to finance a vehicle over a set period of time. Many consumers cannot afford to pay for a vehicle out-of-pocket. Some (most) banks will not finance vehicles over five years old or with mileage over 150,000. HFC offers these loans up to $10,000. HFC requires all vehicles to be appraised by HFC staff. Condition, mileage, and NADA loan value are factors in determining loan amounts. Apply online now.

HFC offers starter loans. A starter loan may be used by borrowers to establish, build, or rebuild credit. The starter loan amount is $500. Building good credit history is essential for those looking to buy their own home or purchase a newer vehicle. HFC reports to the Equifax Credit Bureau monthly. This loan can help the borrower achieve the higher credit score they are looking for. This loan is frequently utilized by younger borrowers or those who might have poor credit history .A Starter loan from Heritage Finance can provided a path to build and rebuild credit history by beginning the credit process simply with us. Come in or apply online and see how we can help you start good credit. A vehicle title may be required.