Last Updated: 04/18/2025
American First Finance Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A
Amount Range
$200 - $5,000
Loan Term (Months)
N/A
American First Finance Personal Loans Review
American First Finance Personal Loans is offered by American First Finance, LLC, a financial services company founded in 2013 and based in Coppell, TX. American First Finance are available in 50 states and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging.
American First Finance Pros & Cons
| Pros | Cons |
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American First Finance FAQ
What interest rates and personal loan terms does American First Finance offer?
American First Finance has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does American First Finance offer?
American First Finance offers a variable APR personal loan product but they do not disclose their interest rates.
How much can you borrow via American First Finance?
Personal loan amounts start at $200 and go up to $5,000
| Personal Loan Amount | $200 - $5000 |
| Loan Term | N/A |
| APR | N/A |
What fees does American First Finance charge?
Does American First Finance charge an origination fee?
American First Finance may charge a personal loan origination fee .
Does American First Finance charge a late fee?
American First Finance does not disclose whether it charges late payment fees.
Does American First Finance charge prepayment fees?
No, American First Finance does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for American First Finance Personal Loans?
American First Finance Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. American First Finance Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by American First Finance Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does American First Finance Personal Loans report your account activity to credit bureaus?
Yes, American First Finance Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does American First Finance, LLC perform a hard credit pull?
Yes, American First Finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are American First Finance Personal Loans legit?
American First Finance was founded in 2013, it is a well-established company that has been in business for 13 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed