Heritage Bank

The fact that we have helped several clients with financial services is proof enough that we are a financial services provider that puts the needs of customers first as opposed to the needs of the organization.

Nobody should feel they have no place to go to when they are in a financial predicament. We have opened our doors to everyone and have never left any stones unturned for our customers because we know if we don’t help them with a personal loan, nobody will.

Putting the interest of the clients or the business first

As much as we borrow money from a lot of customers daily, we are constantly teaching them how to change their perspective towards money. For example, just because you can qualify for a loan doesn’t really mean you need it. Always ask yourself whether you really need a credit advance or are you taking it because you qualify for it.

Any business or individual should try to have a few personal or business loans as possible. As your credit profile expands, you will realize that there isn’t any necessity for having a few loans you could have avoided. It is always wise to only take up an advance when you don’t have a choice but to get a financial plan.

Clients are required to log onto our website and apply for the personal loan.

This is the quickest and easiest application method because all the questions that are asked during the quick loan application process are straightforward and not too complicated to understand. If you feel that there are certain questions you are battling to comprehend, you can give us a call at 13 14 22 and we will assist you where you feel you are stuck.

Assessment and verification process

After the client has applied, we will have to check the application form submitted to our attention together with the supporting documents. It is important that customers understand that we can’t check the application until we have received the supporting documents.

The documentation is necessary so that we can verify the income and expenses of the customer. Although we are looking into helping the customer, we have to check whether or not he will be able to afford the loan he is applying for.

If we find that he has too much debt or is looking for a blacklisted loan, we will have to reject the loan and make it clear that the customer needs to pay some of his loans first before we approve another loan he is intending on obtaining.