Data / Consumer complaints / American First Finance, Inc. / Payday loan, title loan, personal loan, or advance loan
American First Finance, Inc.: 147 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
American First Finance, Inc. drew 147 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 22.9% of its 642 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 100.0% of them, and 55.8% closed with monetary or other relief.
The request: Watch American First Finance, Inc.: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.
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- 147Complaints, last 3 years
- 22.9%Share of the company's complaints
- 100.0%Responded on time
- 55.8%Closed with relief
- Oct 15, 2026Latest received
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 67 | 45.6% |
| 12 months to Nov 6, 2025 | 46 | 31.3% |
| 12 months to Nov 6, 2024 | 34 | 23.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 73 | 49.7% |
| Problem when making payments | 18 | 12.2% |
| Problem with the payoff process at the end of the loan | 17 | 11.6% |
| Incorrect information on your report | 9 | 6.1% |
| Getting the loan | 8 | 5.4% |
| Problem with additional add-on products or services | 6 | 4.1% |
| Struggling to pay your loan | 5 | 3.4% |
| Getting a line of credit | 3 | 2% |
| Can't contact lender or servicer | 1 | 0.7% |
| Confusing or missing disclosures | 1 | 0.7% |
| Credit monitoring or identity theft protection services | 1 | 0.7% |
| Improper use of your report | 1 | 0.7% |
| Loan payment wasn't credited to your account | 1 | 0.7% |
| Problem with a company's investigation into an existing problem | 1 | 0.7% |
| Problem with fraud alerts or security freezes | 1 | 0.7% |
| Unexpected fees | 1 | 0.7% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 65 | 44.2% |
| Closed with non-monetary relief | 42 | 28.6% |
| Closed with monetary relief | 40 | 27.2% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| Texas | 20 | 13.6% |
| Florida | 19 | 12.9% |
| Pennsylvania | 15 | 10.2% |
| Arizona | 11 | 7.5% |
| Georgia | 10 | 6.8% |
| Nevada | 10 | 6.8% |
| California | 7 | 4.8% |
| New York | 6 | 4.1% |
| South Carolina | 5 | 3.4% |
| Virginia | 5 | 3.4% |
| Illinois | 4 | 2.7% |
| Ohio | 4 | 2.7% |
| Washington | 4 | 2.7% |
| Indiana | 3 | 2% |
| New Jersey | 3 | 2% |
| Wisconsin | 3 | 2% |
| Alabama | 2 | 1.4% |
| Arkansas | 2 | 1.4% |
| Colorado | 2 | 1.4% |
| Missouri | 2 | 1.4% |
| District of Columbia | 1 | 0.7% |
| Kansas | 1 | 0.7% |
| Louisiana | 1 | 0.7% |
| Maryland | 1 | 0.7% |
| Michigan | 1 | 0.7% |
Latest 25 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| October 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | consumerfinance.gov |
| October 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with fraud alerts or security freezes | Closed with monetary relief | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with monetary relief | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with monetary relief | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with monetary relief | consumerfinance.gov |
| September 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with monetary relief | consumerfinance.gov |
| September 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| August 5, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with monetary relief | consumerfinance.gov |
| August 4, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 14, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with monetary relief | consumerfinance.gov |
| June 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with monetary relief | consumerfinance.gov |
| June 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with monetary relief | consumerfinance.gov |
| June 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| June 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with monetary relief | consumerfinance.gov |
| June 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- All American First Finance, Inc. complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.