NorthWestern Financial Review

American First Finance

American First Finance Overall rating: ★★★☆☆ 2.8 based on 18 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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American First Finance logo

American First Finance is a consumer finance service based in Wichita, Kansas. The company was founded in 2013 and now offers installment loans, personal loans, financial services, and more. They promise to help people turn bigger expenses into easy payments, fast. Here you can apply for up to $5,000 from a network of 20,000+ stores to choose from. Regardless of which product you need, the application experience is fast and easy. The company partners with FinWise Bank to help provide no credit needed flexible payment options for consumers across the United States and Puerto Rico.

Company name American First Finance
Founded 2013
Address 3515 N. Ridge Road, Suite 200, Wichita, KS 67205-1206
Phone number

American First Finance site


  • Wide network of lenders
  • Available nationwide
  • Credit not required
  • Easy and flexible payment options
  • Loans up to $5,000
  • Approval in minutes
  • Repay early with no penalties
  • Over 20,000+ stores across the country


  • Not a direct lender
  • High interest rates
  • Not BBB accredited
  • Hundreds of complaints

Bottom line

We do not recommend dealing with American First Finance as since 2013 the company has received hundreds of complaints from users.

Types of loans

American First Finance offers installment loans through FinWise Bank with APRs up to 155% for purchases at retailers selling furniture, appliances, home improvements, pets, veterinarian services, car and mobile home repair, jewelry, and body art. Amounts vary from $300 up to $5,000 based on your eligibility. New customers may be approved for up to $3,500 and returning customers up to $5,000. The company also directly offers retail installment contracts and lease-to-own in some states.

Eligibility criteria

In order to get approved for a loan with, you must meet a few requirements:

  1. At least 18 years old.
  2. Have Photo ID, & a SSN or ITIN.
  3. Have a Bank Account & Debit Card.
  4. Make $800 in net minimum monthly income

Category: Online Loans

Tags: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

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American First Finance Reviews

American First Finance is the WORST finance company ever!!! They charge a HUGE interest. Horrible experience! Please stay away from them
- Benjamin Walker

Please read the fine print on the agreement. Regretfully, I did not. They charged me ridiculous rates. My recommendation: Do not use this company.
- Nigel Nguyen

This company is awful! They do not tell you in advance that you have to pay them to repay your loan early. They also charge a processing fee! BEWARE!!! Scammers!!!
- Connor Ryan

Cool people. I would use this place again! My loan will be repaid soon…
- Tyler Morton

I do not recommend AFF. They are thieves and lie about interest rates
- Noah Connolly

Love American First Finance, they have helped me in so many ways. I would recommend them to friends and family. I will use them again, if necessary…
- Layla Lee

They offered me an installment loan when no one else would and I was able to get furniture for my bedroom. Easy company to work with and would recommend them to anyone.
- Samuel Morton

Never take a loan from AFF. It should be illegal to charge this high interest. I had to pay $6,700 for a $2,000 loan. Don’t ever use these guys it’s not worth it. I would give zero stars!
- Audrey Blick

I needed new furniture but had no money to pay in full. American First Finance was the first ones to offer me a good loan with a competitive interest rate.
- Eli Harris

Interest rate is beyond sky high …Their are loans are VERY EXPENSIVE! Search elsewhere!!!
- Bella Cassin

They have always been professional. Payments are reasonable if you don’t have the payoff with the early pay option.
- Levi Martin

They give loans to just anyone, with any credit score. The payments are affordable and automatically taken on the due date. It helps you build your credit as well.
- Chelsea Brown

Although interest rates are high, AFF came at the right time. Got an unsecured loan within 24 hours. I will try to pay it off as quickly as possible
- Mary Scolfield

This place is a total rip off! They charge you per day if you don’t repay the loan in the matter of 3 months. Do not get a loan through them.
- Madison King

This is a fantastic loan company with outstanding customer support! They always help you when you need help. I don’t understand why people have issues with them. I’ve got two loans from them and never had trouble.
- Harry Hane

Deceptive and not friendly people! Never deal with them again after I repay the loan. Not recommended!! Stay away from these scammers!!
- Matilda Douglas

Interest rate is sky-high!! They lied about interest rate. NEVER USE THIS LENDER!
- Joseph Davis

It’s been a great experience, I haven’t had any issues with them at all…the customer service was awesome when I contacted them! I am highly impressed!
- Justin Barrows

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