OUR PHILOSOPHY

You can control every element in RareHeights Financials using the simple online loan application form.

We let you decide exactly how much cash you want to borrow and for how many days, thereby also allowing you to control how much it will cost.

We're only interested in making money when you repay the cash and get out of the debt, not by stocking you into a long-term commitment or forcing you to borrow more than you need.

In return for this limbo-like flexibility we expect you to repay your loan on the date you promise to. We love to help people who use the service responsibly and rather than treating customers like sheep, your own trust rating is always a reflection of your individual circumstances and behavior. It will be reviewed every time you repay or apply for loan and can go up, down or remain the same. We consider lots of factors and our system uses complex equations to calculate your rating, but it's been designed to reward sensible use of the service in a very simple way - by giving you even more flexibility.

What is important to you?
(A). Freedom. (B). Having variety in my life. (C). Sense of Balance. (D). Be the best I can be. (E). Happiness and Peace
    OR
(A). Choice (B). Expression (C). Fulfillment (D). Contribution (E). Compassion (F). Love as a way of life (G). Serene and simple Existence.
Whichever you choose, RareHeights Financials can give it to you.

Some people like to know what to do with what they've got. Others want to know what they have to do to get what they want. The first needs a financial advisor/planner so that they can invest their money wisely. Such people are not welcome in RareHeights Financials because they are already in possession of funds. The second is what concerns us because they want to know what they have to do to get what they want. These are the loan seekers or borrowers. In general a borrower seeking finance may decide what type of money is best suited to its needs after considering the following factors.

     1. The reason for the loan
     2. The period of the loan
     3. The cost of the loan
     4. The riskiness of the loan

In the United Kingdom, every financial institution has a set of rules and regulations in lending. In lending, it is one thing to lend money and another for the credit officer to administer the money he has lent to ensure proper utilization. All forms of lending propositions are considered in line with the most acceptable canons of lending. When a lending institution is approached for a loan, it should obtain satisfactory answers to some basic questions which are described as canons of lending in addition to other controls, regulations and guidelines in respect of responsible lending. The questions can come as these;

     1. How much does the customer want to borrow? (I.e. Amount)
     2. Why does the customer want finance? (Purpose)
     3. How long does he want it for? (Duration)
     4. How does he intend to repay?
     5. Is the customers’ business financially strong enough to keep going if his plans duffer or set back?
     6. Is the customer legally capable?
     7. What security can he offer? (Base Borrowing)
     8. What is the assessment of the customer? (Integrity)

These afore-mentioned questions summarize the five C's of credit investigation or analysis, which is Character, Capacity, Capital, Collateral and Conditions. Finally our philosophy about funding is that we have three kinds of people; those that make things happen, those that wonder what is happening, and finally those that watch things happen. Which category do you belong? I prefer those that make thing happen because these people are those that act. We at RareHeights believe in our customers (both old and new), and as such we are very ready to support your journey, and we are always here whenever you need us. We have cultivated the habit of not stopping when we are tired, but we stop when we are done (finished). Please this habit should also be adopted by all our customers.