American Financial Solutions Reviews 

3,287
TrustScore 5 out of 5

4.9

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Review summary

Created with AI, based on recent reviews

Considering 276 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the supportive and knowledgeable staff who go above and beyond to make the debt repayment process smooth, friendly, and completely manageable. People also appreciate the exceptional customer service, noting that representatives are always remarkably kind, empathetic, patient, and responsive when answering questions along the journey. Consumers note how easy it is to set up structured plans that successfully lower monthly payments and reduce high interest rates. However, some customers also noted minor limitations regarding ongoing creditor negotiations, mentioning that the team was occasionally unable to reach compromises with specific financial institutions or required extended timeframes for complete account resolutions.

What people talk about most

Customer service

People report positive experiences with customer service, noting that representatives are consistently... See more

Staff

Users describe positive interactions with staff, highlighting that representatives are consistently... See more

Service

Customers consistently note positive experiences with service, highlighting professional and timely... See more

Payment

Reviewers highlight positive aspects of payment programs that simplify debt management through manageable... See more

User experience

Customers had positive experiences with user experience, finding the setup process remarkably fast, seamless,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

American Financial Solutions has truly changed my life! Thanks to their guidance, I’ve paid down my debt for an entire year without the crushing 30% APR that had held me back for years. Their staff is... See more

Rated 5 out of 5 stars

Every step of the way, American Financial Solutions worked with us to meet our repayment goals. They were kind, helpful, compassionate advocates for us. They made an impossible task doable. They never... See more

Company replied

Rated 5 out of 5 stars

American Financial Solutions took us under their wings and guided us along every step that led us to accomplish what be believed to be impossible and out of reach for us, which was to get out of our s... See more

Rated 5 out of 5 stars

AFS has been essential in my journey to clearing my debt. I can’t emphasize that enough. They were incredibly helpful, understanding and made a huge difference in lowering my payments and getting a co... See more


Company details

  1. Debt Relief Service
  2. Credit Counseling Service
  3. Financial Consultant

Information provided by various external sources

American Financial Solutions is a 501 (c) 3, non-profit credit counseling and financial education agency. In 20 years, we have assisted over 480,000 people in paying off over $50 Billion in debt. Our certified counselors will help you to determine your current financial situation, make a plan to get out of debt, set financial goals and plan for your financial future.


Contact info

4.9

Excellent

TrustScore 5 out of 5

3K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 100% of negative reviews

Typically replies within 24 hours

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4.9

All reviews

(3,287)

264 reviews in the last 12 months

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Rated 5 out of 5 stars

Before I signed up with them

Before I signed up with them, I had several other that supposedly offered assistance in helping you in your financial situation by enrolling in debt management/consolidation program but instead want to put you in more financial ruins. AFS' method is straight forward. They tell you exactly what's going happen and the minimal fees they'll charge as opposed to other companies that charge you a huge percentage of the debt you are trying to pay off.
So far, I have been pleased with their service. I won't know 100% until all the accts i enrolled in the program are cleared and the creditors are satisfied.

June 2, 2026
Rated 5 out of 5 stars

Good communication and support

Good communication and support, and clearly defining my debt and payment situation, the only thing that might be better would be for you to keep some tabs or review of how my banks are doing keeping up to their agreements visa vi no interest and penalties and all of that stuff, in my case only really the two banks Chase and Bank of America

June 2, 2026
Rated 5 out of 5 stars

I loved how I could just count on these…

I loved how I could just count on these bills being paid and getting a receipt for it through my email and I could take it off my mind. I was really surprised how quickly it just happened and the months went by and they’re all paid off! Thank you so much for your help.

June 2, 2026
Rated 5 out of 5 stars

10/10

Consistent, reliable, great communication. I love it when a company you work with sells itself because its products or services aren’t smoked and mirrors. I get monthly updates, if I check my accounts balances they are all reflective of my monthly updates, if they aren’t then its an easy call away to fix… can’t really build much more value than that. Wonderful.

December 10, 2025
Rated 5 out of 5 stars

AFS is Incredible

Personally, I was in a really dark place when one of my credit card companies advised me to get a hold of American financial solutions. From the very first call, I felt extremely comfortable with this company and that they were going to help me solve my issues. They worked with my credit card companies and they gave me a solution that I was able to work with financially. I am extremely happy with the service that I received from AFS, every time I would make a call the agent that I spoke with were very helpful and very friendly. I have just recently retired from 45 years of customer service and I truly believe that all the agents that I have spoke to, when dealing with AFS, we're always friendly and helpful and that was truly a comfort to me. Thank you, AFS.

May 8, 2026
Rated 5 out of 5 stars

An excellent service for reducing debts…

An excellent service for reducing debts and having someone intercede for you with the companies you are dealing with. Friendly representatives guide you in your journey to financial freedom. They helped us: budget, cut spending and reduced the interest rates on our debt.

December 24, 2025
Rated 5 out of 5 stars

This company is legit! For real!!!!

Of the hundreds of companies that have reached out to me in one way or another to help me with my debt, this is one of the few legit ones. They are helpful, supportive, and realistic. They won't rip you off by taking a huge cut for themselves. It's not difficult to reach a real person by phone when I have a question or need a problem solved. I would highly recommend them to anyone who needs help getting out of debt and is willing to work hard to do so.

May 5, 2026

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