Personal Home Improvement Loans

Personal Home Improvement Loans With Low Fixed Rates and Flexible Loan Terms

Home Improvement Financing for Contractors

Competitive Rates & Terms For Your Customers’ Home Renovations and Projects

About AmeriFirst

Our History

AmeriFirst Finance was born out of inspiration and necessity. Starting in 1979, our mission was to provide competitive consumer finance programs for the Pacesetter Corporation. As one of the nation’s leading home improvement sales organizations, Pacesetter needed to supplement what the banks were offering in order to fuel its sales growth. The result was an in-house lender able to meet the unique requirements of our industry by effectively underwriting a national home improvement loan portfolio.

By 1989, Pacesetter Corporation made the commitment to underwrite 100% of its financed sales contracts. Fast forward to March of 2004, Pacesetter Corporation sold its sales and manufacturing divisions, while retaining the finance division it had built over the previous 25 years. In 2005 this finance division and another regional lender were merged, creating AmeriFirst Home Improvement Finance. By 2006 we had developed the products and services necessary to become a national full-service lender.

In 2021, AmeriFirst Finance also began offering home improvement loans directly to consumers through our website.

Our Philosophy

While we continue to evolve and change, our commitment to the home improvement professionals we serve remains unchanged. Our job is to make it easier for your customers to say “YES” more often! We do that by relying on our heritage as a ‘genuine’ home improvement lender and by providing loan programs that work for you! AmeriFirst Finance brings to the table the experience and programs to finance more of your customers!

Our Values


We are Honest and Ethical.


Which Engenders Respect and Loyalty.


In Everything We Do.


We are Creative and Resourceful.


In How We Represent Ourselves and Our Company.

Contact Us

Call Us


Our Locations

Corporate HQ

1620 Dodge Street
Stop 8116
Omaha, Nebraska 68197-8116

Licenses and Disclosures

By accepting these terms and conditions, requesting an extension of credit from AmeriFirst, and electronically submitting this application for extension of credit to AmeriFirst, you are authorizing AmeriFirst to make one or more credit inquiries with one or more credit reporting agencies/bureaus in order to determine your eligibility for a loan and terms of credit to be extended to you.

By making an application for extension of credit through AmeriFirst, you are authorizing the issuance by it of one or more inquiries with one or more credit reporting agencies (Credit Bureaus) in order to assist AmeriFirst in making its independent determination of your eligibility for the credit, for which you have applied. You may access and review the complete AmeriFirst “Customer Credit Authorization” Policy and practices at:

AmeriFirst will provide, conduct, transact and facilitate electronic financial activities concerning your account, including Automated Clearing House (ACH) transactions which you may authorize and permit in accordance with its Policies and Procedures which may be reviewed at:  AmeriFirst does not assess or charge any fee for the conduct of electronic transactions by it customers.

AmeriFirst is required by Federal law to obtain, verify, record, and hold in confidence information that allows it to confirm the identity of its customers. If you create an account or obtain a loan from AmeriFirst, you will be asked to provide specific validating information such as photo identification, Social Security Number, Date of Birth, or response to a security question. Your responses will support and permit confirmation of your identity. By continuing the application process, you are consenting to this process and agreeing to provide the requested information.