We Have Loans
Up To $1,600
Providing Confidential, Fast, and Friendly Service
American Finance welcomes your questions – in fact, we encourage them!
We have assembled the questions we have been asked most-often and separated them in several categories. If you cannot find the answer to your questions, please contact your local American Finance office or use the link below to submit your question.
Making your loan request is easy at American Finance. There are several options. You can contact 1 of our 4 locations by phone, apply in person, or apply online at a time that is convenient for you. In less than 5 minutes, we will have all the information we need to process your application and get you an answer in less than 1 hour. If you apply after hours or on the weekend, your application will be processed immediately the next business day.
We can complete your application in less than 5 minutes and get you an answer within the hour.
In most cases, you will sign your loan documents and receive your money the same day unless other information is needed.
If you have a current loan or have previously borrowed from American Finance, you may be eligible to use our Instant Funding option, which allows you to sign your loan documents online.
You will need to bring your identification, social security card, and provide us with the names and phone numbers of two alternate contacts. In some cases, we may request a copy of your lease agreement and most recent pay stub or other proof of income.
We understand that your time is valuable. Therefore, we try to get the paperwork completed and hand you a check in 30 minutes or less. However, we will give you as much time as needed, because we want to make sure all your questions are answered and you fully understand the terms of your new loan.
Online applications are processed just as quickly as applications submitted in person or by phone – in one hour or less. Please keep in mind that your loan request will only be processed during normal business hours. If you apply after hours or on the weekend, your application will be processed immediately the next business day.
No, we do not require a bank account. We are not a payday lender and our loans are less costly.
Because your credit history is one part of our loan approval process, it is necessary for us to run a credit report.
There is not always an income level requirement, however, we do not want to burden you with a payment you cannot afford to make.
We consider multiple factors when determining your loan approval. Our team members will get to know your situation and do everything we can to help you meet your financial needs.
If your application was turned down, you will receive a letter by email or physical mail explaining the reasons behind the decision. You can also contact the branch location that processed your application for an explanation.
The good news is American Finance does not require any security to obtain a loan. All our loans are unsecured.
Need money fast? Emergencies happen. If you need money to help overcome life’s little emergencies, American Finance might be your solution.
American Finance makes traditional installment loans. Traditional installment loans are a type of credit that has been around for over a hundred years. Our loans are not payday loans, but loans with affordable monthly installment payments.
We are open from 8:30 a.m. to 5:30 p.m. Monday-Friday. We encourage you to visit the Location Page to find the office closest to you.
Yes, simply click on Contact Us and you be directed to a form that will be sent to our Corporate Office and answered within 1-2 business days. For immediate assistance, please contact one of our branch locations by phone or stop by in person.
We want to know about any issues or problems you are experiencing and would encourage you to contact the branch office that is servicing your loan. You can obtain their contact information by going to the Locations Page and searching by the city name. If you have contacted the servicing branch and they were unable to resolve the issue, use the Contact Us button to get the corporate office phone number or email us directly. Customer service is our number one priority. If you feel that you were not treated or serviced properly, please let us know right away. We promise to promptly contact you and resolve the issue.
Yes. The reason you need the money is not important to us. Many of our customers borrow money for unexpected expenses, car repairs, vacations, school expenses, home improvements, major purchases, holidays, and so much more.
Our typical loan is between $300.00 and $1,600.00 with a maximum term of 12 months. Unlike PayDay Lenders, American Finance is a traditional installment lender offering affordable monthly payments.
Yes, we are thrilled when a customer refers their friends and family. It is our confirmation that we have provided a valuable service. For more details visit the $50.00 Customer Referral Program page under Services.
We accept cash, checks, money orders, and debit card payments.
Yes, you may pay your loan off at any time without a prepayment penalty.
Our loans are paid back in easy and affordable monthly installments. You can make your payment by mail, in the office, or by phone with your debit card.