Stay Aware of Phishing Scams

Updated: March 25, 2021

 

What Is Phishing?

Cybercriminals impersonate a real company to obtain your login credentials, get you to share important information, or download malware in this type of attack. You may receive an email asking you to verify your account details with a link that takes you to an imposter login screen that directly delivers your information to the attackers. Below, we break down some of the different types of phishing attacks—smishing, vishing, and harming.

 

Many people have fallen prey to phishing attacks – one of the most common security challenges individuals face in keeping their information secure. Cybercriminals can use email, phone calls, and other forms of communication to steal valuable data by getting access to passwords, credit cards, or additional sensitive information.

Tips to Avoid Phishing

  • Think Before You Click. Before you click, make sure it’s from a known or trusted source.
  • Check Your Credit Report Regularly. Monitor your credit report for identity theft and fraud that can result from phishing. You can get a free credit report every 12 months at www.annualcreditreport.com. Checking your credit report this way doesn’t hurt your credit.
  • Look for Grammatical & Language Errors. The message often contains grammatical errors, misspelled words, fragmented sentences, or other inaccuracies.
  • Never Give Out Personal Information. Don’t reply to requests for passwords, bank account numbers, or other private information. Verify by calling American First Finance but don’t use the contact information included in the message. Always check out unfamiliar companies with the Better Business Bureau and the National Fraud Center.
  • Use Antivirus Software. Protect your computer by using security software, and be sure to keep your software up to date. McAfee is a good, quality Antivirus software.

If You Think You Have Been Phished

Phone Scams and Vishing

If you answer a phone call that may seem suspicious, hang up. Look up the phone number on Google or these sites to see if the call is a scam.

 

Report questionable callers to the Federal Trade Commission. Call 1 (877) FTC-HELP or visit ftc.gov/complaint

If You Think You’ve Received a Fraudulent Email That Claims to be from American First Finance

  • Don’t reply to the email.
  • Don’t click any links or open attachments in the email.
  • Forward the email to specialhandling@americanfirstfinance.com.
  • After forwarding the email to American First Finance for investigation, delete it.
  • Monitor your account and call American First Finance if you notice any unusual activity.

 

If you’re concerned about your account, contact American First Finance at (855) 721-1188.

© 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.