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Business Profile

Financing

American First Finance, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financing.

Complaints

This profile includes complaints for American First Finance, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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American First Finance, LLC has 4 locations, listed below.

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    Customer Complaints Summary

    • 659 total complaints in the last 3 years.
    • 158 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/01/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On 1/12/25 i purchase a couch using American first finance, the price of the couch was around 1400. I made the payments each month and made an additional payment of $600 to pay off the loan. On the last day of the buyout period (4/2024), I still owed roughly $40. On May 1st i checked the account to see how much was remaining to be shocked to see that i owed $1362.00. I contacted the buisness to inform them that there was an error. I was told that after the buyout date i would be charged the price of the couch plus a item charge (hidden and shady fees) This amount is literally 2x the price of the couch and was not on any of the paperwork when i purchased the couch. American first finance is conducting illegal hidden charges. This couch was paid for i will not be paying double the price of the item because i still owed $30 after the payoff date.

      Customer Answer

      Date: 05/06/2025

      On 5/5/25 i was contacted by the business to inform me that the debt has been settled due to payments made. I told them that this was a satisfactory response to the complaint. 

    • Initial Complaint

      Date:04/15/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Used this company to but auto parts. Was told there was early purchase date of 101 days. If not paid off then I couls still payoff early to avoid finance chages (greater than 200% interest). Have paid $2600 on original $3200 loan in less than 6 months. Now told to close account I must pay over $2900 more. Ridiculous/predatory practice. I offered to pay $700 to close account and was denied. I want to pay what I owe and close account asap. Can pay immediately upon acceptance of terms.

      Business Response

      Date: 04/24/2025

      Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:04/10/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I paid over $1,400 on a $1,000 loan with American First Finance through consistent weekly payments. Then I was asked to pay an additional $152 and $38 to settle the account. Despite this, I was told the account may be reported as settled to the credit bureaus, which could reflect negatively on my credit.When I questioned the representative, they admitted the company does not report any positive payment history, only negative settlements. I find this extremely misleading and manipulative. It appears they are using selective reporting to pressure customers into paying exaggerated interest.I have filed a formal complaint with the ************************************ (ID #**************** and sent certified dispute letters to the major credit bureaus.I am requesting that American First Finance confirm no negative tradeline will be reported and that if any reporting is done, it must include my full and accurate payment history.

      Business Response

      Date: 04/24/2025

      Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      An account was open in my name for monies that I do not have or did not get. Ive been calling the company theyve been givingme the runaround. They told me that I cant speak to anybody in the fraud department. This is a scam. I was even told by one of the employees that the credit card numbers that theyre using on the account has been linked to several other accounts there, but no one can seem to do anything about it.

      Business Response

      Date: 04/17/2025

      *******, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:04/07/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      under 15 U.S. code 1681 e (b)Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 U.S. code 1681 i (5) treatment of inaccurate or unverifiable information(A) In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency ****** ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

      Business Response

      Date: 04/18/2025

      ****, thank you for bringing this to our attention. Your feedback helps us do better. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:04/06/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I entered a contract with American First Finance for auto repair. The merchant never completed the repairs and stop responding. I reported this to American First Finance on 3/3. Since then, they have tried to get into contact with the merchant and were not successful as shown in the screenshot. They are now telling me that they have sent my complain to an internal team as of 3/18. They won't let me speak to anyone on that internal team nor will they share what this internal team is working on. They continue to make me wait with no update. They have also started adding late fees to my account even though I am in the middle of a dispute. I would like a full refund of my account as they have literally admitted that the merchant is unreachable and at fault.

      Business Response

      Date: 04/18/2025

      ********, thank you for sharing your insights with us. Its hard for us to hear that you had a negative experience, as we strive to do our best to provide our customers with the best support possible. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

      Customer Answer

      Date: 04/18/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:04/04/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Date of transaction: Dec 2025 Loan Type: Lease-To-Own Loan Amount: $5,000 Amount of payment made so far: $2,895.19 Buy out option before 3/24/2025: under $4,500 Buy out option after 3/24/2025: $13,913.34 I am filing a complaint against American First Finance regarding unfair and deceptive pricing practices. After consistently making bi-weekly payments for four months under the agreement terms, I was shocked to discover that the early buyout amount had been significantly increasedby nearly 150%. This unexpected and drastic increase in the payoff amount feels like price gouging and is both unreasonable and unethical. I entered this agreement in good faith, and such changes after months of timely payments undermine that trust. I am requesting a full review of my account and a fair resolution based on the original terms.

      Business Response

      Date: 04/16/2025

      Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:04/03/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently financed a phone through American First Finance and was given an okay offer. At checkout I was told to sign a little pad and was told that my signature was me agreeing to make the monthly payments of $138.00, which they were automatically taking out of my bank account via direct deposit. I finally get to the last payment and realize that I had a charge of 4000! I had just paid off over 2000 and it went back up to 4000!? I called them and they tried to tell me that it was my fault because I didnt pay it off in time when I had set up automatic payments with them! They told me that it was in the contract that if I didnt buy it out early I had to pay the extra 4000. I WAS NEVER TOLD OR SHOWN A CONTRACT! I had already left my job because I am a college student and Im struggling with everything as is. But they keep pulling money out of my bank account sending me into the negatives and drowning me in overdraft fees! This company is a scam! Once I called and complained, they told me they could discount it to ******* and I had to sit there and literally beg them to bring it lower. I have one more payment due tomorrow of ****** and have no clue on how to get the money since Im already in the negatives. I cant even explain how rude, selfish, and evil these people are. They got their money for the product PLUS CRAZY INTEREST and theyre still trying to dig for more. Absolutely embarrassing and low. Dont EVER finance with this company!

      Business Response

      Date: 04/15/2025

      Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    • Initial Complaint

      Date:04/02/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Being charged double and hidden fees, and nonstop harassing phone calls after I spoke to a representative told them a payment would be made

      Business Response

      Date: 04/15/2025

      Thanks for being a valued customer, ******* We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email.? 

    • Initial Complaint

      Date:04/01/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      When i get to purchase this item in store, they told me about the financing option with American first finance, and they told me that i will have a 6 month period for early buy out. And then i checked today, that i only have 120 days to pay it off. Called customer service, talked to agent and he just apologized for this miscommunication and keep saying if i will make a payment today with no resolution to my problem. Now i have to pay the whole thing with interest. Liars liars.. my advice to yall people is read very carefully the contract, even if they tell you something else.. i fell, but thats on me now.

      Business Response

      Date: 04/10/2025

      Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. *** provided a more detailed response, which you will receive from the BBB via email. Please click on the attachment in that email. 

    American First Finance, LLC is NOT a BBB Accredited Business.

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