Information On Arbitration

Who is American First Finance?

American First Finance, LLC, is a leading consumer financial technology company that provides payment solutions to support businesses and an array of customers.

Our technology uses a proprietary underwriting system that helps approved consumers receive a customized offer, usually within minutes. American First Finance provides our consumers access to payment solutions that may give them more shopping options, especially consumers with less-than-perfect credit.

American First Finance is headquartered in Dallas, TX. If you’d like to talk to us about any of our services for any reason, please call our customer service phone number at (855) 721-1188.

We are dedicated to being a company consumers continue to want to come back to. A company consumers can depend on for their financial needs. And your feedback helps us provide better service.  If you have questions, comments, or complaints, we value and appreciate the opportunity to address them.  

Litigation & Arbitration

You may be wondering what the difference is between litigation and arbitration:

  • Litigation is the formal legal process in which a court is tasked with deciding the outcome of a dispute if the case goes to trial.
  • Arbitration, in contrast, resolves disputes by appointing a neutral third party to review a specific case and receive the evidence. Then the elected party will proceed to make a binding, legal decision that can later be enforced in a court of law if necessary.
Scale and gavel on the table

What is an arbitration agreement? This is typically a clause in a broader contract in which you agree to resolve a dispute outside of court through a neutral third-party arbitrator. Arbitration agreements are common in consumer-facing agreements and employment contracts. To reduce costs and improve the efficiency of dispute resolution, it is common for businesses to require their customers to sign an arbitration agreement.

American First Finance Arbitration Provision

In all payment solutions serviced by American First Finance, the payment solution agreement will include an arbitration provision. In a typical arbitration, a trained, professional, and neutral arbitrator acts similarly to a judge who will make a decision to end any dispute. However, arbitration is most often seen as an attractive process because the process is usually completed more quickly and is less formal than litigation.

Unless prohibited by applicable law or unless you reject the Arbitration Provision in accordance with the opt-out clause in American First Finance’s Arbitration Provision in the American First Finance payment solution agreements, the document says that you and American First Finance agree that either party may elect to require arbitration of any claim under the terms and conditions documented in the Arbitration Provision. A similar provision is included in agreements for payment solutions originated by other parties but serviced by American First Finance.

hand holding a block to bridge gap between figurines

Litigation and Arbitration FAQs


Q: What are the Benefits of Arbitration?

A: When compared to a lawsuit, arbitration may be less expensive and is generally faster. The arbitration process is also always confidential.


Q: What are the top causes of litigation?

A: Individuals and businesses end up in litigation due to a variety of reasons, but generally because of a misunderstanding that could not be worked out. If you have concerns with your account, we encourage you to contact American First Finance at (855) 721-1188 to discuss your account. We want to hear from you and are ready to help you.


Q: Is American First Finance in a Lawsuit?

A: As much as we try to provide excellent customer service, on occasion we will have consumers file a complaint against us. Since our goal is to provide excellent customer service, we generally even resolve litigation quite quickly.

American First Finance takes great care to ensure we are always abiding by the rules of law and complying with ever-evolving regulations. We have a strong compliance and customer service culture, that’s why a core part of our team consists specifically of legal, compliance and quality assurance experts.

At American First Finance, we take our reputation seriously and our customers even more seriously. We also want to ensure that we provide our customers with the best and most accurate information possible regarding any issues that may arise during any business transaction or partnership.

As with any reputable business, when a consumer visits, we want them to feel welcome and comfortable that every piece of content is compliant, accurate, and reflects our core values.

Looking for specific questions regarding products and their coordinating terminology? Browse our FAQs for more information.

We are dedicated to providing a better service everyday.

If you have questions, comments, or complaints, please get in touch with American First Finance’s Customer Service team. We value and appreciate the opportunity to address them.

We hope this information provides answers about American First Finance, and arbitration and lawsuits, in general. Should you need any more information, please get in touch with our Customer Service team at (855) 721-1188. You can also message us directly at for a complaint, feedback, or inquiry.

Feedback is one of the ways we’re able to serve you and provide better service. We appreciate the opportunity to use your feedback to provide better service.