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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

    • 633 total complaints in the last 3 years.
    • 136 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:02/25/2025

      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.
      Original loan was $2410.37. To date I have paid $1432.89. American First is stating I still owe $2435.85 how is it I owe more now than I did before after paying $1432.89 I want a legit pay off amount that reflects my payments

      Business Response

      Date: 03/07/2025

      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: 03/11/2025

      I have reviewed the business response and accept this resolution. 

    • Initial Complaint

      Date:02/23/2025

      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 purchased a refrigerator as well as a warranty from American freight on 10/12 for a total of $2085.98. I also paid ****** and ***** that day using my debit card which came out on 10/15. I have since made payment on 10/18, 10/25, 11/1, 11/8, 11/15, 11/22, 12/6, 12/13, 12/20, 12/27, 1/3, 1/10, 1-17, 1/24, 1/31, 2/7 and 2/14 of $53.81 each date totaling $914.77. I also made an extra payment on 10/21 of $178.15. The full total is ******** leaving $252.20 to pay off what I was told was a zero interest credit card. Yea the bottom of the receipt I submitted says lease to own but when I asked the salesperson at the store she said that was only if I was not paying it off in 101 business days. I called yesterday to pay off the balance and was told the payoff is $2669.47 which is more than the original cost. If I were to pay this I would be paying more than double of the amount of the refrigerator. Then when I started explaining that this is no where near accurate they tell me they have no record of me paying anything at the store. I have receipts and bank records to prove that these payments were made and they basically ignored me claiming the best they can do is get my payoff down to a lower amount and that I would have to refinance it to continue. I told them I would pay what was owed ($252.20) and that was it. They would not listen. Do not do business with this financial agency

      Business Response

      Date: 03/05/2025

      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:02/21/2025

      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 had this finance of $1200 and I've been paying since late September 2024. The amount I've paid should be more than 50% of the original amount, however, American First Finance is now telling me I owe $1.092. No Sense. I made a $100 down payment and been paying $40.40 every week.

      Business Response

      Date: 03/05/2025

      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: 03/05/2025

      I have reviewed the business response and accept this resolution. 

    • 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. 

    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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