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© 2018 All rights Reserved     www.americanfinancelenders.com      
Terms & Conditions     Rates

Office Headquarters:
2301 Campus Drive #100A

Irvine, CA 92612
 

Tel: (877) 877-4078

Business Hours:
M-F                  6:30 AM - 6:00PM
Saturday       8:00 AM - 3:00PM

Sunday            Closed

Holiday hours are subject to change*
 

If you are an existing client please call: 
Tel: (949) 892-3598

To check the rates and terms you qualify for, American Finance Lenders conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application we may request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Terms and Conditions Apply. American Finance Lenders RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet American Finance Lenders’ underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. NMLS Unique Identifier # 1690584   DBO Finance Lenders Law License # 60DBO-89396

Disclosures:

 

Loans available and or coordinated through AmericanFinanceLenders.com (AFL) are made by private investors, crowd funding, or similar banks and institutions such as Cross River Bank, a New Jersey State Chartered Commercial Bank, and Member FDIC. All loan and rate terms are subject to eligibility restrictions, application review, credit score, loan amount, loan term, lender approval, and credit usage and history. Eligibility for a loan is not guaranteed. Loans are not available to residents of all states –please call an American Finance Lenders representative for further details. *The APR calculation includes the loan origination fee.

 

* The loan rate, APR, term and origination fee presented in association with this site are only ranges for

those borrowers who qualify for a loan –not all applicants will qualify. Origination fees are calculated on the final loan size and vary based on the interest rate and term selected. The lowest rate and APR is for highly qualified borrowers –please contact an American Finance Lenders representative for further information and disclosures.

 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.  

 

Disclosure Statement

American Finance Lenders, LLC does not broker loans and does not make and/or fund any product offerings, loans, or credit decisions. This web site and the content within do not constitute an offer or solicitation to lend. American Finance Lenders will securely submit the information you provide to a lender or investor. Providing your information to American Finance Lenders does not guarantee approval for a product offering. For details, questions, or concerns regarding your application, please contact your lender directly.

 

Fair Lending Policy

  At American Finance Lenders (AFL), we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application. To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.

 

 1.We do not discriminate against a loan applicant or borrower on the basis of race, color, religion, national origin, sexual orientation, handicap, age, the fact that all or  part of an applicant's income comes from any public assistance program or because  the applicant has exercised any right under any relevant state or federal law.


2. We do not selectively encourage applicants and we take no action that would, on a  prohibited basis, discourage a reasonable person from applying for a loan.

3.We do not, on a prohibited basis, refuse to make if available or coordinate a loan, vary the terms     

 offered including the amount, interest rate, period or type of loan, or use different standards to         evaluate collateral or decide whether to extend credit.

4.   We avoid practices or policies that have a discriminatory effect. This rule applies to  all phases of our business. It applies even though we do not intend the policy or practice to be discriminatory and even if the policy or practice appears to be neutral.

5.   We make sure that our partners use a scoring system that is empirically derived and statistically sound and uses no prohibited basis other than age as a predictive factor.

6.  We train our personnel in the principles of fair processing and underwriting.

 

7.  Our Quality Control Manager regularly reviews both our underwriting standards and the business.

practices by which we implement them to determine whether they ensure equal opportunity and reports to management.

8. We repeatedly review our portfolio and applications to make sure that we are serving the community adequately and on a nondiscriminatory basis in light of the community's demographic characteristics  and credit demands.

 

Credit approval is subject to our vendor partner’s credit standards, and actual terms (including actual loan amount) may vary by applicant. AFL requires certain supporting documentation with each new application. If you have questions regarding this, email us at admin@americanfinancelenders.com

 

American Finance Lenders is located at 2082 Business Center Dr. #175, Irvine, CA 92656 © 2015

American Finance Lenders, LLC. All Rights Reserved.

 

Responsible Lending         

 

Being a responsible partner -­ our commitment

 

We have a responsibility to you, our customers, to be open and honest, to treat you fairly, and

to be safe and secure.

 

That's why we are committed to being a responsible financial support provider. If you have any queries, please don't hesitate to ask.

 

This is what you can expect from us

 

    •Partnered Products and lending criteria designed to meet your needs

    •Competitively priced products which we promote in a balanced way showing the risks as well as the

      benefits

    •Clear information on the cost of your borrowing, any fees and charges and the terms and conditions

    •An assessment of your ability to make regular payments and repay the loan, using appropriate credit

      assessment techniques, before providing credit         

    •Where the loan limit is solely at our investor’s discretion, we will take into account your current and previous financial activity        

    •A limit on your borrowing that we believe will ensure you don't overstretch your finances

    •Your personal information treated confidentially and in accordance with applicable legislation

    •Prompt and professional handling of any queries or complaints you may have

    •Considerate treatment of payment issues and arrears

 

We ask that you

 

•Provide accurate and complete information on your application 
•Regularly assess your borrowing and other financial commitments and, if you expect to face payment difficulty in the future, or if you are having difficulties in managing your monthly payments, contact us so we can discuss  any help/assistance available

•Understand the terms and conditions on which the money is borrowed, seeking further information and help if needed  

•Ensure you have the means to repay the loan

 

American Finance Lenders Consumer Privacy Policy

 

FACTS                                        WHAT DOES American Finance Lenders, LLC("AFL") DO WITH YOUR PERSONAL

                                                       INFORMATION?

 

Why?                                           Financial companies choose how they share your personal information. Federal law

                                                       gives consumers the right to limit some but not all sharing. Federal law also requires

                                                       us to tell you how we collect, share, and protect your personal information. Please

                                                       read this notice carefully to understand what we do.

                                                       

What?                                         The types of personal information we collect and share depend on the

                                                      producto service you have with us. This information can include:

 

                                                         •Social Security number and transaction history

                                                         •account balances and payment history

                                                         •credit history and credit scores

 

How?                                        All financial companies need to share customers' personal information to run their

                                                    everyday business. In the section below, we list the reasons financial companies can

                                                    share their customers' personal information; the reasons AFL chooses to share; and

                                                    whether you can limit this sharing.

​​​​

Reasons we can share your

personal information                                  Does AFL share?                               Can you limit this sharing?

For our everyday business

purposes –

such as to process your

transactions, maintain your                          Yes                                                         No

account(s), respond to court orders

and legal investigations, or report

to credit bureaus

For our marketing purposes -                      Yes                                                        No

to offer our products and

services to you

For joint marketing with other                    Yes                                                        No

financial companies

For our affiliates' everyday

business purposes -

information about your                                  No                                                        We don't share

transactions and experiences

For our affiliates' everyday

business purposes -

information about your                                  No                                                        We don't share

creditworthiness

For our affiliates to market to

You                                                                     No                                                        We don't share

For non-affiliates to market to

You                                                                     Yes                                                        Yes

 

To limit our sharing

 

•    Call 877-­‐877-­‐4078

•    Send an Opt‐Out email to: admin@americanfinancelenders.com

 

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are

no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

 

Questions?  admin@americanfinancelenders.com

 

What we do 

 

How does AFL protect my                                To protect your personal information from unauthorized access

Personal information?                                         and use, we use security measures that comply with federal law.  

                                                                                        These measures include computer safeguards and secured files  

                                                                                        and buildings.

                                                                                        We collect your personal information, for example, when you

 

                                                                                               •    apply for a loan or give us your contact information

                                                                                               •    give us your income information or provide employment

                                                                                                     information     

                                                                                               •    pay your bills

                                                                                        We also may collect your personal information from others, such

                                                                                        as credit bureaus, affiliates, fraud detection services or other

                                                                                        companies. We and our third-party service providers may use a

                                                                                        variety of technologies that automatically (or passively) store or

How does AFL protect my                             whenever you visit or interact with the

Personal information?                                      company ("Usage Information"). This Usage Information may be

                                                                                        stored or accessed using a variety of technologies that may be

                                                                                        downloaded from/to your personal computer, browser, laptop,

                                                                                        tablet, mobile phone or other device (a "Device") whenever you

                                                                                        visit or interact with us. The Usage Information may include, but

                                                                                        is not limited to, your browser type, operating system, software

                                                                                        version, Internet Protocol ("IP") address or other unique identifier

                                                                                        for your Device, Device location and other Device characteristics.

                                                                                        Various methods and technologies to store or collect Usage

                                                                                        Information may be used such as Cookies and Web Beacons. You

                                                                                        may adjust your browser or operating system settings to limit this

                                                                                        tracking or to decline cookies, but by doing so, you may not be

                                                                                        able to use certain features on the company site or take full

                                                                                        advantage of all of our offerings. Check the "Help" menu of your

                                                                                        browser or operating system to learn how to adjust your tracking

                                                                                        settings or cookie preferences. Please note that our system may

                                                                                        not respond to Do Not Track requests or headers from some or all

                                                                                        browsers.

                                                                                        collect certain information whenever you visit or interact with the

                                                                                        company ("Usage Information"). This Usage Information may be

                                                                                        stored or accessed using a variety of technologies that may be

                                                                                        downloaded from/to your personal computer, browser, laptop,

                                                                                        tablet, mobile phone or other device (a "Device") whenever you

                                                                                        visit or interact with us. The Usage Information may include, but

                                                                                        is not limited to, your browser type, operating system, software

                                                                                        version, Internet Protocol ("IP") address or other unique identifier

                                                                                        for your Device, Device location and other Device characteristics.

                                                                                        Various methods and technologies to store or collect Usage

                                                                                        Information may be used such as Cookies and Web Beacons. You

                                                                                        may adjust your browser or operating system settings to limit this

                                                                                        tracking or to decline cookies, but by doing so, you may not be

 

                                                                                        able to use certain features on the company site or take full

                                                                                        advantage of all of our offerings. Check the "Help" menu of your

                                                                                        browser or operating system to learn how to adjust your tracking

                                                                                        settings or cookie preferences. Please note that our system may

                                                                                        not respond to Do Not Track requests or headers from some or all

                                                                                        browsers.

Why can't I limit all sharing?                                     Federal law gives you the right to limit only

 

                                                                                           •  sharing for affiliates' everyday business purposes –

                                                                                               information about your creditworthiness

                                                                                           •  affiliates from using your information to market to you

                                                                                           •  sharing for non-affiliates to market to you

                                                                                      State laws and individual companies may give you additional rights

                                                                                      to limit sharing. See below for more on your rights under state 

                                                                                      laws.

 What happens when I limit

Sharing for an account I hold                      Your choices will apply to everyone on your account

Jointly with someone else?     

                                                                               

 

                                                                                Definitions

Affiliates                                            Companies related by common ownership or control. They can be

                                                                 financial and nonfinancial companies. Non-affiliates Companies not related by

                                                                common ownership or control. They can

                                                                be financial and nonfinancial companies.  

 

                                                                   • Non-affiliates we share with can include nonfinancial companies, such as

                                                                      merchants and direct marketers, financial services companies, such as  

                                                                      mortgage companies, credit card companies, automobile finance

                                                                      companies and insurance companies, and others, such as nonprofit

                                                                     organizations.

Joint Marketing                             A formal agreement between nonaffiliated financial companies that

                                                         together market financial products or services to you.  

 

                                                                  • Our joint marketing partners include mortgage and lending

                                                                     companies, and other companies that provide financial products

                                                                     and services.

Other important information

 

California Residents

We will not share your personal information with non-­‐affiliates for their marketing purposes

without your authorization. We will not share your personal information with affiliates or with

other financial companies for joint marketing purposes.

 

Vermont residents

We will not share your personal information with non­‐affiliates for their marketing purposes, or

share consumer report information about you with affiliates, without your authorization.

 

Opt-out Form

​If you'd like to restrict who we share your information with, please email us at admin@americanfinancelenders.com

 

Terms of Use

 

Notice

Please read these terms and conditions carefully. By accessing this site and any pages thereof,

you agree to be bound by the terms and conditions below. If you do not agree to the terms and

conditions below, do not access this site, or any pages thereof.

 

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and

descriptions that appear, are subject to change. Unauthorized use of AFL's web site and

systems including but not limited to unauthorized entry into AFL's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by AFL.

 

No Warranty

The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". AFL does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-­infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is

given in conjunction with the information and materials.

 

Limitation of Liability

In no event will AFL be liable for any damages, including without limitation direct or indirect,

special, incidental, or consequential damages, losses or expenses arising in connection with this

site or any linked site or use thereof or inability to use by any party, or in connection with any

failure of performance, error, omission, interruption, defect, delay in operation or transmission,

computer virus or line or system failure, even if AFL, or representatives thereof, are advised of

the possibility of such damages, losses or expenses.

 

Copyright

The AFL logo and all designs, text, graphics, pictures, information, data, software, sound files,

other files and the selection and arrangement thereof (collectively, "Site Materials") are the

proprietary property of American Finance Lenders, LLC or its licensors or users and are protected by U.S. and international copyright laws.

 

Submissions

All information submitted to AFL via this site shall be deemed and remain the property of AFL and AFL shall be free to use, for any purpose, any idea, concepts, know-­how or techniques contained in information a visitor to this site provides

AFL through this site. AFL shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the AFL entity having the direct customer relationship or as otherwise specifically agreed or

required by law.

 

Availability

This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or

country where such distribution or use would be contrary to local law or regulation. By offering

this site and information, or any products or services via this site, no distribution or solicitation is made by AFL to any person to use this site, or such information, products or services in jurisdictions where the provision of this site and such information, products and services is prohibited by law.

 

Additional Terms

Certain sections or pages on this site may contain separate terms and conditions, which are in

addition to these terms and conditions. In the event of a conflict, the additional terms and

conditions will govern for those sections or pages.

 

Governing Law

Use of this site shall be governed by all applicable Federal laws of the United States of America

and the laws of the State of California.