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.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.
Better Business Bureau®
Resources for Businesses
Better Business Bureau
          Share
          Business Profile

          Financing

          American First Finance, LLC

          This business is NOT BBB Accredited.

          Find BBB Accredited Businesses in Financing.

          Reviews

          10 word minimum.

          You can use up to 2000 characters

          Before you can leave a review on bbb.org,

          you’ll need to add a phone number to your account. Your phone number may be used to verify your identity.

          Add now

          Provide Your Information to Leave a Review

          Thank you for taking the time to leave a review! Please enter your information below to submit your review to BBB.

          All fields are required. Your first name and first initial of your last name will display online. Your full name will only be used to allow the business to verify you are a customer.

          This is automatically determined using your first name and first initial of your last name.
          How would you like to confirm your review?
          This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

          Verify your phone number

          Enter the 6 digit code sent to the phone number ending in undefined

          If you have not received a code within 2 minutes, you can re-send it.

          741 Customer Reviews

          Sort By
          • Date
          • Highest Rating
          • Lowest Rating

          • Carmen M

            02/06/2025

            Bad business because they have hidden Fees and never send you documents about your early payoff

            American First Finance, LLC Response

            02/07/2025

            Hi, ******, thank you for your feedback. We are sorry to hear that you are dissatisfied with our product. Please contact us at ************ and we will assist you with your concerns and any questions that you may have. We hope to hear from you soon and look forward to having the opportunity to better meet your needs.

          • Lacy P

            02/06/2025

            I cant believe that American Home Furniture works with this company. I purchased a couch and financed $1400, I made every payment on time and extra payments. My early buy-out was 12/17. I had one payment left beyond that but didnt realize that until I went to make that payment. They were insisting I owed $2751!!!!!! On top of the $1236 I already paid! I understand making a **** for the loan. But this is robbery. I then agreed to a settlement for an additional ****** and it is still showing I owe 1956!!! There is no customer service to speak of either. I owed $164 and I've since paid an additional $500. Im done giving them my money. If you were a legitimate company you would have real agents! If you were a reputable company you would take your reasonable cut and not s**** people over. You dont have a-lot of return business do you?

            American First Finance, LLC Response

            02/07/2025

            ****, 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. Please call us at ************** and ask for a supervisor so that we can further discuss this with you. 

          • Emma M

            01/31/2025

            Don't use this company. Today was the last payment I had to make, but they modified the agreement to extend my lease without my knowledge, claiming that my contract ended on January 16, which is not true. They told me I had to pay within six months, so I made a payment that was double what I owed to settle it in under six months. I have now contacted my bank to deny any further payments to them. I have also contacted them and all they say oh well you have to pay it again nothing we can do it was on your contract. Its funny how the contract cant even be accessed. Please do not Use this company they will steal from you and lie about it.

            American First Finance, LLC Response

            02/03/2025

            **** ********, 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. Please call us at ************** and ask for a supervisor so that we can further discuss this with you.

          • Shana F

            01/24/2025

            Predatory Lending at its finest!!!! DO NOT USE THIS COMPANY!!

            American First Finance, LLC Response

            01/27/2025

            Thanks for being a valued customer, ***** *******.  We would appreciate the opportunity to address this matter as your satisfaction is very important to us. Please contact ******************** at ************ and ask for a supervisor. We will assist you with your concern and any questions that you may have. We hope to hear from you soon.

          • Seitheach W

            01/18/2025

            Scammers. They add weekly to the amount you owe. I had paid off my balance down to 1000 then they added 25 then another 25

            American First Finance, LLC Response

            01/20/2025

            Thanks for being a valued customer, ********* ******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. Please contact ******************** at ************ and ask for a supervisor. We will assist you with your concern and any questions that you may have. We hope to hear from you soon. 

          • Sarah H

            01/09/2025

            They are a SCAM! They were continually lowering my monthly payment to the minimum payment so I would not meet the early payoff date. I had to continually call them. They were charging 127% interest after the initial period which is illegal. Even when I went on the website to make the final payment before the cutoff expired their system would not allow it to be processed. They are predatory lenders and they should be in JAIL. Do not use them for ANYTHING.

            American First Finance, LLC Response

            01/10/2025

            Thanks for being a valued customer, ***** *******-evans . We would appreciate the opportunity to address this matter as your satisfaction is very important to us. Please contact ******************** at ************ and ask for a supervisor. We will assist you with your concern and any questions that you may have. We hope to hear from you soon.

          • Carrie C

            01/04/2025

            I used this service when I bought furniture from American Freight. I put a down payment of $100 and thought this was a great idea, but then I noticed that I was being charged a rental fee and a leasing fee along with a protection fee that doesnt cover any damages and sales tax with all of that taken only $28 was going on the principal I also noticed that I was paying for the down payment as well which already paid. This place is nothing but a scam, and banks on people not paying it off early so they can double the amount of time you have to pay so Im paying over 2000 on a 1000 dollar damaged couch and I only had it for less then a year. So buyer beware I already put a stop payment. No wonder why theyre going bankrupt

            American First Finance, LLC Response

            01/07/2025

            Thanks for being a valued customer, ****** *******. We would appreciate the opportunity to address this matter as your satisfaction is very important to us. Please contact ******************** at ************ and ask for a supervisor. We will assist you with your concern and any questions that you may have. We hope to hear from you soon. 

          • Alejandra G

            12/10/2024

            ********* ************** and its employees are the worst. They provide false information and expectations. They keep charging me illegally for a set of couches that I dont have in my possession. Not only that I asked the sales representative Ruele several times if I wouldnt be charged until I had the furniture delivered and stated yes. I take care of my credit and what this company is doing is illegal. They drafted money from my account and on top I got a *** fee. Which this company had not paid for. This is not my first time doing business with them but it will be the last.

            American First Finance, LLC Response

            12/12/2024

            Hi ********* ******, we set a high standard for ourselves to serve our customers, and were sorry to hear this was not met in your interaction with our business. We would like the opportunity to talk with you and investigate your feedback further. Please call us at ************** and ask for a supervisor. We would like to discuss this matter with you in more detail.  

          • Tarina W

            11/23/2024

            If I could give them zero stars because no one never returns my calls and Ive been calling and no one has contacted me nor resolved the issue. But sure continue to take money

            American First Finance, LLC Response

            11/25/2024

            Hi ****** ********, we set a high standard for ourselves to serve our customers, and were sorry to hear this was not met in your interaction with our business. We would like the opportunity to talk with you and investigate your feedback further. Please call us at ************** and ask for a supervisor. We would like to discuss this matter with you in more detail. 

          • Jon J

            11/22/2024

            One Star I's way too much.....I opened a loan for ******* ..I was told by merchant early buy out same as cash...But No!! It's a extra ****** ..I call the day after I made the purchase to explain what happened and how the merchant was deceptive..they (AFF) didn't care...also..they added an additional ******* to the account..because I my missed the 90 day buy out due to me being in a vehicle accident.....I reached out for a settlement offer to close this but was told no..due to account being to new??? REALLY?? Hopefully someone contact me from upper Mgmt..!! Not simply say call and ask for a Supervisor...I tried that..it didn't work...If anyone sees this from AFF..I'm willing to settle ..but I want account closed and a letter of account being closed

            American First Finance, LLC Response

            11/25/2024

            *** *******, 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. Please call us at ************** and ask for a supervisor so that we can further discuss this with you. 

          Customer Review Rating

          1.55/5

          Average of 741 Customer Reviews

          Contact Information

          PO Box 565848

          Dallas, TX 75356-5848

          Get Directions
          Visit Website
          (855) 721-1188

          BBB Rating & Accreditation

          A+

          This business is not BBB Accredited

          Search for Accredited
          Businesses in this category

          Years in Business: 3

          Customer Reviews are not used in the calculation of BBB Rating

          Overview of BBB Rating

          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. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

          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.