Complaints, Feedback, & Inquiries

At American First Finance, we take our customer’s overall experience and feedback seriously. And while we strive to deliver the best experience possible to all our partners and consumers, we know that sometimes we can’t meet expectations.

Complaints

We know that life isn’t perfect, and neither are we. Complaints happen from time to time. And we work as best we can to help resolve them quickly and to the best extent possible.

 

Complaints help bring opportunities for improvement to our attention. American First Finance ensures that complaints are dealt with effectively and are taken seriously. American First Finance takes complaints seriously and ensures that complaints are addressed and taken care of diligently.

How to Submit a Complaint

American First Finance is committed to providing the best possible service to every one of our customers. American First Finance is here to listen if you are dissatisfied with any aspect of your experience.

 

  1. Contact us via chat, telephone, email, or US mail.
  2. Explain the matter as clearly and as fully as possible, including any action taken to date;
  3. Allow American First Finance a reasonable time to deal with the matter;
  4. Tell us what you would like the outcome of the complaint to be if you can.

Please understand that some matters may be beyond American First Finance’s control, such as details about your credit score or credit history, which would need to be addressed with the credit bureaus.

What We Do When We Receive Complaints

When you submit a complaint, our team attempts to address your inquiry fully and promptly. If we’re initially unable to address your needs fully, we escalate the issue to our specialists for additional review and attention.

Our Commitment

We want you to be a satisfied customer – that means when you reach out, we’ll try to get you a resolution right then and there. Our responsibility will be to:

 

  • Acknowledge your complaint in a timely manner.
  • Learning from the complaint and using that feedback to improve our service.

If you have a complaint – we’d like to know more. Please call our Customer Service Team:

Submit a General Inquiry

To submit an inquiry or feedback, you can contact us directly. We value and appreciate the opportunity to address your concerns. Visit our Contact Us page for general inquiries.

Still have questions? Check out our FAQs.

FAQs

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I’m an active customer. How can I log in to the Customer Portal?
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I missed a payment; can you make a courtesy adjustment and remove it from my credit report?
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What is a credit check?
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Who should I contact if I think there’s been an error related to a payment on my account?
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What is an Early Payoff Discount, and how does it work?
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What is the Early Buyout Option, and how does it work?
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How can I get a copy of my credit report?
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How long does it take for my payment(s) / payment history to update with the major credit reporting agencies*?
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What if there is incorrect information on my credit report?
© 2025 American First Finance. All Rights Reserved.

1 Application Terms: Your application, including the amount, cost, and approval, is subject to review and is not guaranteed. Applications are reviewed based on data you provide and one or more of the following: identity verification, bank verification, information from a third-party, a credit reporting agency, and/or prior experience through American First Finance (AFF).

Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.

Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.

Lease: A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months.

2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.

3 Decisioning may take additional time and not be same day. Additional information may be required.

4 This loyalty program is offered by FinWise Bank. The program provides loyal customers the opportunity to qualify for a lower rate. A rate reduction is valid on new loans only and cannot be applied to existing loans. The rate reduction is only applicable to customers with a prior loan open for at least 150 days, with all payments posted and cleared on time for the life of the loan, and the loan has been paid in full. Maximum of two (2) rate reductions per customer. Loans are originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Terms and conditions subject to change at any time without prior disclosure or notice.

5 Approval is possible without a credit score, but credit may be checked.

6 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.

To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.

American First Finance, LLC – NMLS ID 1757007

© 2025 American First Finance. All Rights Reserved.