Corporate Office N Ridge Rd, Wichita

I didn't have any credit and they picked me up and offered a loan for my first car bought off a lot. Payments were easy to make and customer service was friendly if you had any questions, or if you wanted an update on your balance. I was so happy to get my official letter of payment completion as they made it so easy.

It's really unfortunate that other former clients have had issues with American First as my experience was at the complete opposite end of spectrum. It was clearly communicated to me and HIGHLY suggested that I pay my furniture loan off in 6 months or I would get hit with back interest. I made sure to pay my automatic bi- monthly payments as well as extra payments to accomplish this. There was never an issue with payments or customer service and I paid my account in full within the 6 month time frame and settled my account in good standing. I had a seamless and positive experience with American First and will be using them again soon!

Very easy to apply and payments were all processed quickly and correctly. I paid off the first loan within the 90 days which was very convenient for me. My second loan I left as monthly payments to improve my credit score. I fell into some trouble and they worked with me. Highly recommend.

It was really amazing quickly I was able to adjust payment when I call as I was recently hospitalized... The representative was friendly, professional and willing to guve me every possible assistance she could give to accommodate my request. I am a nrw client to this company and already I'm impressed and happy I chose to do business with them. I'd recommend them. I'd recommend them to anyone needing financial assistance to purchase big ticket items for your home. The application process was super easy and I was able to get what I needed.

It's my first time dealing with this company and I'm actually a little appalled. I got a call yesterday regarding my payment I said okay cool I'll catch up when my next payment is due. I'm thinking everything is fine. I got 3 phone calls regarding the matter. Each rep I talked to oh I see that here in our systems but the calls will continue until its paid....I'm sorry every creditor I work with doesn't do business like that. Today alone I get a notification from my bank of funds trying to be taken out before the arrangement date. Mind you this is over ONE missed payment ONE! I've already done a complaint with the FTC. I urge people stay away from this business if possible. Ha got another call just now about the same thing.... Made the call to Management Jasmine was very helpful and was apologetic, I didn't ask to be compensated but she credited my account since it was on there end they messed up on. Hopefully going forward I hope not to have this issue again

had low credit score, got $1,800 to buy new furniture and it was nice to know we had 90 days to pay off the amount we loaned for and not any interest until after the 90 days if we couldn't pay it off that soon. I thought it was pretty fair. I am totally re loaning through American First Finance again.

They pulled a double payment from our account which made our bank account go negative because of their screw up. We've been trying for a week to get the money back and they aren't working with us because they only show one payment pulled on their end. So we are out the extra payment plus the over draft fees. Plus we've been paying on our loan for like 8 months and have only showed a 200 drop in our balance when we pay 150 every 2 weeks! This company is crooked!

Horrible experience at the end I paid for my merchandise and money was still getting taken out of my account one a month sometime twice a month. So i started looking at my account and call them about they put some of the payments back still missing one payment. The rep I was speaking too tried to explain what was happening I didn't make since, she even tried to say I still own the company and wouldn't be finish paying for another month. Something need to be done about them taken hard working people money lesson learned.

Signing up and getting approved was very easy and fast. The interest rate made my heart stop for nearly one full minute but I need my car to work so the repairs were necessary.

I have had an unpleasant experience that has proved to be more of an inconvenience to me than anything! I signed for a lease to purchase option on August 11, 2017 at a Gardner White store in Southfield, MI and was approved. My furniture was delivered within a few days and I thought everything was fine. On September 16, 2017 at 11am I received a credit alert that my credit received another hard inquiry from American First Finance of which I did not authorize. I called at 11:41am that day and spoke to a representative that told me she could assure me that my credit had not been run again, and there is only one active account. She further stated that sometimes there is a delay in the initial credit inquiry showing up on the report. I wanted to believe her that maybe it was a duplicate or delayed alert that was not truly in addition to the one previously, until I received an alert through a second credit bureau a few days later showing an inquiry for Clarity Services (credit bureau I've never heard of before). I contacted Clarity who informed me that they could not give me information over the phone that it had to be sent via mail. I received the report and sure enough there was American First Finance with the second inquiry. I called American First Finance on October 13, 2017 after receiving the report and they blamed it on the furniture store, I called the furniture store and they blamed it on American First Finance. Needless to say I have had to initiate a dispute with the credit bureau and I do not know who is at fault between them or the store. Moving forward to the current issue at hand today 10/14/17. My 90 day same as cash payoff per my agreement is $1209.43. I have made to date total payments of $1053.32. If my math serves me correctly that means my remaining payoff still within the 90 day time frame is $158.70, but the system shows $228.66? I was on the phone for an hour and five minutes trying to get someone to explain to me how the system amount makes sense. I was told that I did not pay sales tax. I literally walked the employee through my contract that says my payments include sales tax! She still could not explain it so she put me on the line with the manager that says yes total sales tax on the purchase is $158.70, which is part of the 1209.43 and the remaining is principle ($1050.73), which made total sense! I said okay well I have paid a total of $1053.32, which he broke down all of my payments I've made to date telling me how much went to tax and how much went to principle. So far I have paid $59.61 in taxes and $993.71 in principle for a total of $1053.32 per the manager. If I deduct this amount from the $1209.43 it still gets me to a remaining $158.70 ($99.09 in taxes & $57.02 in principle). At that point the manager says oh no the $1209.43 is principle ONLY so no taxes have been paid. I literally could not believe he back tracked everything after we walked through everything from THEIR system! I was then told they need to send me a "statement" that outlines everything. I asked why I need additional documentation other than the agreement I SIGNED that is supposed to lay out all terms, conditions and pricing? This is what I signed and what I am legally obligated to follow. I am unable to tell if it is a general lack of understanding that the employees have for their own program, if there is a system glitch and everyone is trying to find a way to reconcile the variance the system shows, if I am being scammed for additional money even if it is only $72.55, or if they are issuing contracts/agreements that are incomplete and inaccurate?

If you're ever jammed up and need to finance a automotive repair or tires or Wheels then this is a company to go to just be aware that the interest is high and if you don't pay it off in 90 days same as cash you do pay for a lot of financing. The internet account accessibility leaves a bit to be desired. But you will get financed just be aware that you're going to pay a lot for it

They were a great finance company. I only had one issue and that's when I attempted to pay them off. I had a issue with the correct payoff amount not showing up. It took over a month to resolve but they did resolve everything.

If you want to spend $5,000 on something worth MAYBE $1500, then THIS company is for you. Yeah, they'll give you a loan, ANYONE a loan, however, beware of the extremely high, overpriced, outrageous and unrealistic Interest rates they tack on. It has been two years since I purchased a couch and chair from Ashley's. So far I've paid $4500 , unbeknownst to me. This amount was NEVER totaled on my original purchase invoice! I pay my bills on time and was not aware I had even dished out this ridiculous amount until I was curious how much I truly owed. I called the company and asked to speak to a sales manager, but how convenient, Dan seemed to be unavailable! Go figure. I called RIGHT when they opened at 8:00am. Makes you question their honesty, right? I will NEVER do business with this scam of a company again. I suggest you do your homework as well before you think about getting a loan from American First Finance. Here's some additional homework... A loan totaling $1754.58 was taken out Oct 2015. Each month, SINCE, the amount of $175 was paid on this loan. Today, August 23, 2017 the remaining amount totals $1198.14....... I'll let you all think about that.

I wasn't told that this company would begin drafting money out of my account like every two weeks. I was told I had 3 months to pay or after 3 months, or amount financed (500+) would double. Not a problem, until I started getting these drafts. Now I am on the eve of my 3 month window closing, and I am not able to pay the loan off. So I took a screen shot of my effort to log in, and I emailed the company. Let's see how they respond. Hoping and praying for no mess! I'm posting a one start. Will update and let you know how it turns out. Today is 12/21/16. I will be calling them when they open. Stay tuned...

Was nice to get credit for 90 days, I just wish the furniture store told me they charged $188 for credit even that short term and I may not have financed the item. They were easy to make payments with however.

Never again will I use American First Finance. The interest rates are absurd. I purchased $1800 worth of furniture briefly did a glance over the paperwork (my mistake) however, I was being charged 103% interest daily on my furniture. It seemed as if my balance was never lowering and funds were coming out my account biweekly. I called for a pay off in January thinking I have about a $800 balance my balance was $1783 even after paying on it for over 6 months. The rates are ridiculous do not finance with this company.

I would never recommend this company to anybody. Yeah it's nice to get a loan but they charge 145% interest, almost triple what your loan was even started at and charge you daily around $3-$4. With the 145% interest and them taking out daily, my loan didn't see any improvement being paid off when I was on a monthly plan for $200. I have paid almost $900 so far on the loan and it has only dropped $75 from where it started off at. How ridiculous! Definitely going to put this on a credit card and borrow money from a much reliable source. Definitely learned my lesson!

I purchased furniture from Gardner-White but they sent the wrong furniture so I returned the furniture and American first is still taking money from my account. They act like loan sharks. I told American first that they sent the wrong furniture and I wanted to cancel my contract with them and I was told that because I accepted the furniture I still had to pay for it. The chairs were in boxes so I didn’t know it was wrong until I opened the box. Gardner-White picked it up over a week ago so why are you still taking money from my account. The customer service people were rude and all said I still had to pay even though it was the wrong items, several people that I spoke with all said the same thing. This company must me desperate for money to continue to take money for furniture that I don’t have anymore.

Working with this company was a pleasure. I have experience with the new "leasing to own" furniture companies like AFF, and it is just a pleasure to be able to get the furniture I want now while still paying accordingly later on. I am one who hates the traditional layaway setup where you have to pay off the products before receiving them, so companies that offer me the opportunity to bring my furniture home and pay on it as you go is great! Not everyone can afford the high priced furniture stores that won't even give us middle class people a chance. I've had to contact their customer service department and few times about paying off my lease balance, and the representatives were pleasant as well. They answered my questions calmly and patiently, and provided me with answers that I needed and it was without a hassle. I am so datisfied that I have gone through them a few times now for my new furniture purposes.

Terrible company to get a loan from! This is a bullying company that charges 7.02 dollars per day on a loan add that up times (30) After the 90 day period they're gonna back charge you interest from day one, so it's like you just gave your money away for free!! Not a company you want to deal wit at all. Remember to read the fine print before signing your money away. (Secure loans are better.)

I appreciate that this is one of the few places that offered me credit due to my lack of credit history. I also have student loans and that makes a lot of creditors deny me. The terms of the loan work great, for the first three months if paid in full, there are no finance charges. I was able to purchase couches and pay them off within three months. Their customer service on the phone and explanation of my contract as well as the fact that they take payments from my checking account is very convenient for me and they are very friendly. I would recommend American first finance to friends and family.

I've been dealing with American Finance for the past few years for various furniture purchases and I have never had a bad experience with them. They've even accommodated my need to move payments around and double payments if necessary. The customer service is pretty good and I've never had long wait times to speak with anyone. I will definitely continue my relationship with them in the future with future purchases.

Pretty straight forward experience. We used American First Finance when we moved into a larger space and needed more furniture. We applied at the store and was approved right away. We were told what our payments would be and our first payment date. I liked the option to pay online the most. They could improve their webpage features but that is my only complaint.

My experience was great! I was able to go into Factory Furniture Outlet and get approved for $3,000 credit line on my new sofa and paid it off within 90 days same as cash option. I would definitely recommend American First Finance and will use their services again in the future if needed.

First two times were good. Low purchases. 3rd they charged me 2 times at the end. They said i made a purchase i never even approved. Their fix was refund me the last payment but reopen accound and charge interests...wow rip off. Never dealing with them and for sure passing the word to the buisness that uses them.

I have used this company two seperate times. Once with Sears Outlet and another time with a local furniture store. This first time, the Sears sales associate didnt really explain the terms that well to me and it felt like i was paying three times the amount for the items. Lesson learned. The second time I was very apprehensive but with the terms understood, I got my items (paid off in 3 months) with no problem. I took one star away because my items have been paid off for a year and I recently received a message threatening action for nonpayment. A followup message was sent as a correction but it makes me wonder about my credit score if the company hasn't properly updated my account information. Could be a small glitch in the system but it is a detrimental factor to me. Overall its is a great way to pay for items when you don't have the full amount readily available but make sure you understand the terms and conditions. The customer service is friendly and accommodating. There are no hidden fees or any kind of scamming going on. Just be sure to know what you can handle and read the forms before signing the contract.

Got the loan fast and without any hassle, great you can repay in 90 days with no interest, and we used this loan to purchase furniture. I ended up not getting most of the furniture I was wanting, because the monthly payment was very high, plus you would need to add more to that payment to have everything paid off in 90 days. Did not want to take the chance of going over the 90 day mark, so unfortunately only purchased one piece of the 8 items I had originally wanted to purchase. Perhaps when this loan is paid, I will try and purchase more. By the way.. if you do go over the 90 day mark, the interest is phenomenal !! BEWARE...

They debit your account when they feel like it. They do not stick to the payment dates. Call and the reps are very rude. Hate that I dealt with this company. This was supposed to be no credit check but i received an alert that my credit was ran. That pissed me off. In all of the responses from this company on negative reviews say that they are transparent. Transparent to who, them. I am hate that i went to them and will never do it again and surely don't recommend. Stay away

i can't wait to be done with this company. had work done on a vehicle at a shop in Wichita and this was about the only option I had to be able to get the transmission fixed on my truck. HUGE bill. financing available, cool, but jeez....3000.00 repair. most folks can't foot that kind of repair. had payments that were presented to the bank anywhere between 3-4 days ahead of the regularly scheduled posting date, caused numerous NSF fees because the payments came out earlier than my paycheck went in....yeah. very dissatisfied. customer service typically short and rude, the only silver lining is that this is going to be paid off relatively soon. thank heavens!! be glad to be done and close this chapter. :(

They were quick to approve our application which is good. I do not like the fact that they start calling and sending emails 2 days before the payment is due, and continue to do so for 2 days after the payment is made. This is especially annoying due to the fact that the payments are automatically taken out of my account on a certain day. I would understand if the payment was late, but I’ve never been late. I would ask them to chill, and only call or email if the payment is ever late.

Super easy. We were in a bind with family moving here and needed a bigger couch desperately and this company came through for us. I was super happy and the payments are decent except the added amount of interest is crazy but I dealt with it because of my situation since I couldnt just right out buy a couch. But there is the option to pay in full and it shows on the receipts they email you which is super helpful.

I had a very good experience. everything went like clock work! no hassles and when i paid my loan off early, they didnt take any more money from my account! we all have had that happen before!! so great job! i will use them again in the future

I was approved for the finance on the spot and my car was finished within the day. I have made easy payments from out of direct withdraw and it is so simple and I don't have to worry about it!

No one explained how leasing works. I didn’t know I had leasing fees or was even leasing. No one could tell me what my pay off was. Poor communication and fees were over the top. I’ve never spend 3300 on a 600 sofa 150 table and 299 bed. I will never do business with them again. And my card was charged before I ever picked anything out. They seemed very money hungry in the store and poor knowledge over the phone. Only 3 people were nice to me when I called everyone else had an attitude like this is what you have to pay and that’s it.

My experience with American First Finance has been great so far. It was easy to get approved, the monthly payments were affordable & I haven't had any issues with billing.

If I could give these crooks a zero star, I would! We financed a nice bunk bed set in February for 1200 dollars. We made $65.20 payments every two weeks. They offered 0% interest for 6 months. Sounds great right? Up until we checked our balance left in August and it was $952!! How is this possible?? Apparently, after the 6 month 0%interest is over, they tacked on back interest for the past 6 months and is now charging us 110% interest rate. We are now paying a little over $3/DAY for these bunk beds! This should've been payed off by the end of the year and now we aren't expected to pay it off for another YEAR! This should be illegal! They are robbing us and I will NEVER FINANCE THROUGH THEM AGAIN!!!! ITS A RIP OFF PEOPLE! DO NOT TRUST THEM!

American First Finance is an awesome loan service! Although the rate is higher than your normal percentage on a loan, they provide you 101 days to pay off that which you received assistance for to avoid that interest rate. Thanks for the opportunity! It worked for me and depending on what you require, it should work for you. Thanks American First Finance!!!

I love y’all, it’s the electronic radio place I highly disappointed with. Get radio two months later car radio not work, the work the company did was poor at best. I going need them to get in contact with me to resolve this matter. When up there and they just want try and sale me something else ( to say o well the radio is not working). I’m let them know was still paying on this stuff but the refuse to do anything about their problem. They need speak to me before I make any payment arrangements to payment this stuff off. I feel like I got rip off (cause I been paying this bill). So that is my issues on why I not completed paying this bill already

If i coukd give negative stars i would. We got furniture at american freight and financed it through american first. We paid the monthly payments for 6-7 months then i called to pay it off and the payoff was more than we financed, after paying over $700 on approx $1500 loan. Thats ridiculous. Our loan was approx $1500 and after paying on it for 6-7 months, not only did the principal not go down, we had to pay more than the original loan amount was. I will NEVER deal with your company again and have and will continue to tell as many people as i can through personal contact as well as social media, to NEVER deal with AMERICAN FIRST FINANCE. You are a ripoff company that preys on people with less than perfect credit. The interest amount i was charged should be considered usery,and you should be shut down. your company is just a legal loan shark.

This is the most un-professional business I have ever dealt with. We financed a full living room set through them on April 29th. That very evening our town experienced a 500 year flood, destroying our home, vehicles, and every item we owned. We literally escaped with the clothes on our back. I contacted this company 3 days after the flood to make arrangements to extend our 1st payment. We ofcourse would need time to get our lives together. They were kind and advised they could extend our payment the full 90 days that we had without interest. On May 29th I noticed a pending payment in my bank... I again contacted them, to which I was told they would only extend 30 days and basically good luck. I am more than willing to pay the debt I owe, however a bit of time is all we asked for.