My experience has been an easy one. I enjoyed it very much and highly recommend American First Finance.

My wife and I bought some furniture and used American First for the financing. It was a easy and simple process.

They didn't take out the first payment even tho the money was there. Charged me a late fee! Then they promised to repay it and didn't. Then they promised to deduct it from my next payment and didn't. Then they promised to skip my next payment and just credit my account and didn't! Now the phone number says it's not in service????? But they still took my money!!!!

This company does not stand by their word and all of the staff appear to be incompentent and do not know how to read notes on the account. Be careful about giving them access to your bank account as they go in and take random amounts that can be costly to you if you are unaware that you owe. Always get something in writing when the reps tell you information, otherwise the reps will lie and said you had a conversation that didn't exist, basically to make themselves look good like there are collecting money.