American Financial Solutions Reviews 

3,280
TrustScore 5 out of 5

4.9

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

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

5-star
4-star
3-star
2-star
1-star

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

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.9

All reviews

(3,280)

264 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Great customer service

After setting up the process I didn't really need to talk with them much. However, anytime I did call in the custom service was great. The representatives were knowledgeable, helpful,friendly and most of all never made you feel like you were being judged.

26 June 2026
Rated 5 out of 5 stars

They were very helpful and always…

They were very helpful and always worked with me if I needed to move dates around and not get penalized. It helps that they always answer when you call. They really helped me during a hard time in my life. Thank you

26 June 2026
Rated 5 out of 5 stars

Amazing help!

Amazing help! They were there for me to consolidate loans and make it affordable! Highly recommend!

19 June 2026
Rated 5 out of 5 stars

Prompt

Prompt, practical, and supportive in working out and implementing repayment arrangements.

19 June 2026
Rated 5 out of 5 stars

It was helpful to see the bills paid…

It was helpful to see the bills paid timely and you were able to lower the interest rate. It make the payments come to a final end. I also liked the communication monthly in writing. Also, the team was always available to answer questions along the way. Thank you for helping me!

19 June 2026
Rated 5 out of 5 stars

Excellent

Very communicative and emailed me once a month with my status with all of the creditors. They answered emails promptly (usually within an hour or so). They are really a great operation.

19 June 2026
Rated 4 out of 5 stars

Free at last.

American Financial Solutions did an outstanding do job of managing my debt.
I only wish that they would have every year tried to negotiate with creditors to reduce the interesting rate on my debts instead of signing a one time interest reduction.

19 June 2026
American Financial Solutions logo

Reply from American Financial Solutions

Thank you for your kind review! We’re so glad our team did an excellent job supporting you.

We appreciate your feedback as well—interest rates are set by each creditor at the start of the program and remain in place for its duration, but we work hard to secure the best possible terms upfront.

Thank you again for trusting AFS and for sharing your experience!

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look