We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
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

Find a Location

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

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 634 total complaints in the last 3 years.
    • 137 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:11/23/2022

      Type:Product 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.
      Purchased living room sectional furniture and dining room table from ****** home furniture XXXX XXth ** ** ****** **** XXXXX and was financed through amercian first finance $1200 with no interest rate if paid off in 101 days no interest would be added I feel I was overcharged couple times had to call and dispute those charges but it never added up I had charges added to my account for no reason and kept being told it was sales tax asked for a print out of total of my payoff and seen I was charged more money then I owed and will like to be refunded my money back my early buyout purchase was $1362.14 and paid a total of $1470.81 I was overcharged $108.67 and would like a refund of my money what is due to be paid back to me tried to talk to their customer service reps and explained that they overcharged me they tried to do nothing ask for a manager they refused to put one on the phone I would like a refund of what I am owed I don't want store credit because I'm never utilizing this finance company again their a scam

      Business Response

      Date: 03/13/2023

      Business Response /* (1000, 10, 2022/12/09) */
      Thanks for being a valued customer, *****. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:11/21/2022

      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.
      My complaint is I financed a sound system for my car I called the finance company and had put a payment of $411 before I had received my vehicle back. when I received my vehicle the work that was supposed to be done wasn't and still isn't done yet so I called the finance company back and let them know it wasn't done. I asked them for a invoice of what I'm paying for and the invoice they have is incorrect, I also asked for my payment history and they told me I had not made any payments but I had made a payment of $411 dollars I feel uncomfortable in this financial company not keeping track of my money I have put into my bill or a proper invoice of all of what I am paying for

      I feel why would I have to pay for work that is unfinished and the work that was done is sloppy.

      Business Response

      Date: 03/06/2023

      Business Response /* (1000, 5, 2022/12/05) */
      Thanks for being a valued customer, *****. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:11/17/2022

      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.
      This company preys on people! I would suggest steering clear! You will end up paying wayyyy more than what you are supposed to pay! They told me at the store i had 90 days to pay off the furniture and they would charge me the full amount in 90 days which they didn't! I checked my balance because i just knew my purchase should be paid off by now! It's not! You can't see a receipt of what you've paid and what you owe! All of a sudden i get an email saying i owe 5000 for a 1900 dollar couch! Single mom of two now i guess I'll be paying on this furniture for forever because the lack of communication and the lies!

      Business Response

      Date: 03/06/2023

      Business Response /* (1000, 5, 2022/12/02) */
      Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:11/16/2022

      Type:Product 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 couch on 04/18/2022.
      The total amount was $1,939.97. I paid $840 that day and used a lease to own amount of $1,099.97. I have made 11 payments of $126.91 and paid more than I was told I would be paying. They are robbing me blind.

      Business Response

      Date: 02/23/2023

      Business Response /* (1000, 5, 2022/12/01) */
      Thanks for being a valued customer, ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:11/05/2022

      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.
      Scam company don't spend your money with them! High interest rates like I've never seen before. I bought 2 pieces of furniture which totaled around $1500. Now they are trying to charge me double almost $3000. The furniture didn't even come in top quality condition for them to be charging so much. Seeking to pay off my balance minus these insane fees.

      Business Response

      Date: 02/08/2023

      Business Response /* (1000, 5, 2022/11/18) */
      Thanks for being a valued customer, Cheraynna. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:11/04/2022

      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 received a letter in the mail from AFF stating that I opted to use automatically recurring electronic fund transfers. I called them stating that I did not and that I did not know anything about this. The card listed is not one that I own. They told me to file a police report and send it to them. I told them file it about what. They would not tell me what I allegedly purchased.

      Business Response

      Date: 02/06/2023

      Business Response /* (1000, 5, 2022/11/17) */
      ******, thank you for bringing this to our attention. Your feedback helps us do better. AFF 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:10/28/2022

      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.
      This place is down right crooked!!! 168.69% interest rate. Crooks!!! I'm a single mom who needed a new couch. I went to a local business to support them and they had American first finance for a financing company. My couch was 2473.31 and will have paid 8713.60 by the time it is paid off. Down right ridiculous.

      Business Response

      Date: 01/31/2023

      Business Response /* (1000, 5, 2022/11/09) */
      Thanks for being a valued customer, *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:10/25/2022

      Type:Product 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.
      Purchase date from Conn's: *** 2022

      I was lied to into believing that I could pay it in 3 months with no interest. After 3 months, the total went from 2,000 to 7,000.

      This is a predatory company that lies and it's also parts of Conn's as they bank with them.

      This is disgusting, I'm attaching documents with proof of the total for what should have been an easy 2k payment only.

      Business Response

      Date: 01/12/2023

      Business Response /* (1000, 5, 2022/10/31) */
      Thanks for being a valued customer, *****. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:10/24/2022

      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 purchased a Samsung fridge through American Freight and opted to utilize the finance option they provided as they had already ran my credit. The finance company that the account is with is American First Finance. First, they do not allow their consumer to manage their own payment methods but force you into providing your debit and/or bank so they can automatically enroll you into auto pay without the option of turning this off on their website. FTC has made Payment and Billing regulations outlined on their website https://www.ftc.gov/business-guidance/credit-finance/payments-billing. Secondly, they are practicing unethical billing methods. They automatically initiated the payment on my account 24 hours prior to the actual day that the payment was authorized for being the 25th NOT the 24th. I did not notice this until AFTER I initiated my first payment which was a payment for the amount in full. However, the one option they did provide was a one time payment but still provided no confirmation number to show the payment was initiated.
      Now because I made the payment in full to pay the unit off I am getting hit with an early pay off fee of another 50.00 after they charged 50.00 to start the finance so an extra 100.00 I have had to pay to this horrible lender.

      Business Response

      Date: 01/13/2023

      Business Response /* (1000, 5, 2022/11/01) */
      Thanks for being a valued customer, *****. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. AFF 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:10/24/2022

      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 is a false claim that 1117 days ago from todays date of 10/24/22, that I made a purchase of $1300 on 10/03/19 which is totally untrue. I have not had business with the company since July of that same year which I fully paid off with proof in attached photo.

      Business Response

      Date: 01/24/2023

      Business Response /* (1000, 5, 2022/11/07) */
      *******, thank you for bringing this to our attention. Your feedback helps us do better. AFF 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.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.