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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 10 locations, listed below.

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    Customer Complaints Summary

    • 668 total complaints in the last 3 years.
    • 163 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:02/21/2025

      Type:Order 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.
      Company it charging outrageous interest on loans and not applying payments to loan with charging 100% interest and your loan doesn't go down.

      Business Response

      Date: 03/04/2025

      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. 

      Customer Answer

      Date: 03/04/2025

      This request has been resolved thanks for accepting my request. 

      Customer Answer

      Date: 03/04/2025

      Consumer
      Most Recent Message
      Date Sent: 3/4/2025 1:26:29 PM
      This request has been resolved thanks for accepting my request. 

    • Initial Complaint

      Date:02/19/2025

      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.
      There charges me twice for the items, I've already paid

      Business Response

      Date: 03/03/2025

      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:02/18/2025

      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.
      It started in August I purchased a phone from ********, which they told me that itll be $80 added onto my bill which it was not. They went toa finance company. I never signed any papers didnt make any agreements was not told determined conditions every month they charged me 116 this is in August February And Im still paying for it.Theyre telling me is legal fees to me. This is a company thats scamming cause a company supposed to tell you their terms and conditions or have me sign lsomething. I never signed every month. I call they tell me its your last payment and it keeps going month after the month.

      Business Response

      Date: 03/03/2025

      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:02/14/2025

      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.
      Back in November of 2024 I utilized American first finance for the purchase of a used engine. Prior to the purchase a 90 day promotion was being advertised which encouraged me to purchase through American first finance . During this process there was line of miscommunication. My car was not fully repaired until January of 2025. I was under the impression that the promotion would start from the date of actually receiving the product purchased aka the used engine. The car was my means of transportation. Not having the car for months hindered my work availability. I can't process paying hundreds of dollars for a product monthly and it's not in my possession. As of 02/14/25 my current pay off is around $3,300. The resolution I'm seeking consist of getting an extension of the 90 day promotion from the date of actually receiving the fixed engine which was January 2025. Or receiving a settlement offer on this account. I never had the product yet I was expected to pay for it. that's the dilemma. Please help me reach a resolution.

      Business Response

      Date: 02/26/2025

      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. 

      Customer Answer

      Date: 02/27/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:02/07/2025

      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.
      I bought a fridge with n 2023 for my new place and paid $36.66 weekly faithfully with no payment at missed. I waited till the buyout got extremely low and I paid $251.77 on 1/30/2025 and I was told my account was to be closed in good standing. my account t was reopened and they took $36.66 Friday then they took another $36.66 the next Friday. I had asked them to take my payment methods out of there computers they told me they wouldnt. I called today and had them remove my ***** t accounts from the system but they said I never paid the account off that have no record of me paying the $251.77. So I had to be mean and bully them into closing my account and taking my payment methods out of their system. Please do not do business with these people run for the hills.

      Business Response

      Date: 02/19/2025

      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. 

      Customer Answer

      Date: 02/19/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:02/06/2025

      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.
      I used the company to purchase a washer and refrigerator I planned on using the early pay off option and pay more money per payment and was told that would not go toward what was owed or help the payoff they have called my phone 17 times a day everyday and after 8 and 9 at night to collect a payment when payment isn't due until the day after they start calling they also try to put payments on my card that I said no to many times and they kept saying ok we will set that up.

      Business Response

      Date: 02/18/2025

      *******, 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. 

    • Initial Complaint

      Date:02/06/2025

      Type:Customer Service 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 filed a previous complaint against this company due to being misinformed, and we came to a settlement, and now I received two correspondence stating that Im late, when our settlement isnt due until 02/15/2025 in the amount of $275.00 and now this is being sent. I feel like this is harassment. They were harassing me by phone and text prior to them sending correspondence, and now Im being harassed by mail. I feel like this is unacceptable when I am trying to work with them.

      Business Response

      Date: 02/17/2025

      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:02/06/2025

      Type:Order 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 am not liable for the debt claimed by ******** FIN. There is no contractual relationship between me and ******** FIN, and they have not supplied the original agreement as requested.

      Business Response

      Date: 02/17/2025

      *****, 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:02/04/2025

      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.
      I was not properly notified of American First Finance selling the debt to a collection agency.

      Business Response

      Date: 02/14/2025

      ****, 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:02/03/2025

      Type:Order 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.
      American First Finance is a complete fraud. PLEASE DO NOT do any business with these scammers. I wish i would have done more research on this awful company, you get a loan and pay on it literally every other week but it doesnt go to your loan, they literally take your money and then tell you you can pay off early for a discount which is the amount you go t the loan for. 153% interest rate is highway robbery and they should be shutdown immediately. I will never ever in life do any business with American First Finance please save yourself a headache and stay far away from this Company.

      Business Response

      Date: 02/13/2025

      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.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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