American First Finance phone number and hours
American First Finance is a consumer finance company that offers personal loans and credit products. Their main customer service line is 1-844-234-6873. This number connects you to representatives who handle account questions, loan inquiries, and payment information.
Customer service hours are Monday through Friday, 8 a.m. to 8 p.m. Eastern Time. The line is closed on weekends and federal holidays. Wait times vary depending on call volume, but calling early in the morning or mid-afternoon typically means shorter holds than mid-morning or late afternoon.
If you are calling about an existing loan, have your account number ready. If you are calling to ask about a new loan, have your Social Security number and recent income information available — this speeds up the conversation and lets the representative give you accurate information about what you might may have access to for.
Key Takeaways
- American First Finance customer service is reachable at 1-844-234-6873 during business hours Monday through Friday, 8 a.m. to 8 p.m. Eastern Time.
- Having your account number or Social Security number ready before you call reduces wait time and helps the representative answer your questions faster.
- The company handles questions about existing loans, new loan inquiries, payment arrangements, and account changes over the phone.
- If you cannot reach someone by phone, American First Finance also offers contact options through their website and mailing address for written requests.
What to expect when you call
When you dial the number, you will hear an automated menu. Press the option that matches your reason for calling — usually option 1 for existing accounts, option 2 for new loans, or option 3 for payments and billing. This routes you to the right department and reduces the chance you will be transferred multiple times.
The system may also ask you to enter your account number or phone number associated with your account. This allows the company to pull up your information before you speak to a representative, which means they can answer questions about your specific loan without asking you to repeat details.
If you are calling about a payment, be ready to discuss your current balance, your next due date, and whether you want to make a one-time payment or set up a payment plan. Representatives can process payments over the phone using a bank account or debit card, though you will need your routing number and account number if you choose that method.
Alternatives to calling
Not everyone prefers phone calls. American First Finance offers other ways to reach them. You can visit their website to submit a contact form, which typically gets a response within one to two business days. This method works well if you have a detailed question or need to attach documents like proof of income or a recent bank statement.
You can also mail written requests to American First Finance at their corporate address, though this is slower than phone or email — expect a response in five to ten business days. Mailing is useful if you need to send original documents or if you want a written record of your request.
Some account holders also manage their loans through an online portal or mobile app. If you have set up an account on their website, you can log in to view your balance, make payments, and sometimes message customer service directly through the platform. This option is available 24 hours a day and does not require you to wait on hold.
Common reasons people call American First Finance
The most frequent calls are about payment options. People call to make a one-time payment, set up automatic payments, or ask about payment plans if they are behind. Representatives can discuss hardship options if you are struggling to make a payment on time.
Account questions are also common — people call to check their balance, ask about their interest rate, request a payoff amount, or find out when their loan will be paid off. These are quick calls that usually take less than five minutes if you have your account number ready.
New loan inquiries make up another large portion of calls. If you are interested in borrowing money from American First Finance, you can call to ask about loan amounts, interest rates, and what documents you will need to provide. The representative cannot tell you whether you will be approved until you formally request a loan, but they can explain the process and answer general questions about their products.
What to do if you cannot reach anyone
If you call during business hours and the line is busy, you have a few options. You can stay on hold — most calls are answered within 15 to 30 minutes, though peak times may be longer. You can also hang up and try again later, which often works better than waiting.
If you are calling outside business hours, the automated system will tell you when customer service opens again and may offer to take a message. Leave your name, account number if you have one, and a brief description of why you are calling. A representative will call you back during the next business day, usually within 24 hours.
If you have an urgent issue — for example, you received a notice about your account or you need to discuss a payment before a important date — mention this when you call. Urgent requests are sometimes prioritized, and a representative may be able to help you sooner or transfer you to a supervisor who can address your situation faster.
Protecting your information during the call
American First Finance representatives will ask for personal information to verify your identity and pull up your account. This is normal and necessary. However, you should never give out information you did not initiate the call to provide.
If you call American First Finance, you are in control of the conversation. If someone calls you claiming to be from American First Finance, be cautious. Legitimate representatives will not ask for your full Social Security number, PIN, or password over the phone unless you called them first. If you are unsure whether a call is real, hang up and call the official customer service number yourself.
When you provide payment information over the phone, use a find line — avoid making payments from public Wi-Fi or shared computers. If you are paying by debit card or bank account, the representative will confirm the last four digits of the account before processing the payment, which is a safety measure to make sure the payment goes to the right place.
Frequently Asked Questions
Is there a fee to call American First Finance customer service?
No. Calling their customer service line is free. You only pay standard phone charges from your carrier, the same as any other long-distance call. There is no charge from American First Finance itself for calling.
Can I make a payment over the phone?
Yes. You can pay by debit card or bank transfer when you call. Have your routing number and account number ready if you want to pay from a bank account. The representative will process the payment when ready, and it will post to your account within one to two business days depending on the payment method.
What if I need to speak to a supervisor?
You can ask to speak to a supervisor at any point during your call. The representative will transfer you if one is available. Supervisors handle disputes, complaints, or complex situations that a standard representative cannot resolve. Wait times for a supervisor are usually longer than for a regular representative.
Do I have to call during business hours?
You do not have to call during business hours, but you will reach a live representative only during Monday through Friday, 8 a.m. to 8 p.m. Eastern Time. Calls outside these hours will reach an automated system that can take a message or provide account information if you enter your account number.
What if I lost my account number?
You can still call customer service. The representative can look up your account using your Social Security number and the phone number associated with your loan. Have your full name and date of birth ready as well, as these help verify your identity.