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Don’t waste your hard-earned money high interest rates.

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Why American Direct Financial?

The problem with the American economy is that our cost of living has gone up considerably while our salaries haven’t kept up with the trend. Whether you look at food, housing or medical care, you will find that their costs have been growing significantly.

According to the Urban Institute, 33% of the Americans are under medical debt while 15% of them are facing student loan debt. More than 40% of the Americans have carried their credit card debt for over two years, which is an alarming fact. Last year, the credit card debt went over $1 trillion, an unbelievable figure.

When you think about it, even if you have to make small adjustments to your house, you have to save a large portion of your salary for several months before it becomes affordable. If you need to go on a vacation with your family, you may have to work and save for several years, before you can make it a reality. On top of that, if you have to deal with debt, life becomes a challenge every day. Don’t you wish that you could make all your financial woes go away so that you can enjoy life to its fullest? Aren’t you tired of getting messages on your smartphone regularly, that you need to use a large portion of your salary to pay off your debts?


A low interest rate will save you money over the life of your loan. Why spend your money paying high interest when there are so many other things you’d rather be doing?

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Easy Application

Simply fill out our on-line application any time, day or night, and submit for approval. You can also speak with one of our customer service representatives 7 days a week. We are here to serve you and your financial needs at your convenience.

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No Pre-Pay

You will also never be charged any pre-payment penalties. It’s our way of saying ‘thank you’ to our valued customers.

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Pay off Your Credit Card

Your go-to financial institution for personal loans with unbelievable interest rates

We, at American Direct Financial, understand all the troubles you have to go through just to save enough money for all your dreams. Whether you are trying to remodel your house, kickstart your business idea, take your family on the best vacation possible or pay off your debt, we are ready to provide you with the best personal loans.

It isn’t fair that you have to stop yourself from trying out new food from different restaurants, purchasing new clothes or the latest smartphone just to save small amounts of money every month. As you only have one life, why should you cut it short and not experience all the joys it has to offer because you don’t have the finance?

We are always ready to help you reach your financial goals by providing you with the best personal loans that you don’t even believe exists. As you will be saving huge sums of money every month, you can invest in yourself. Imagine if you could go for a vacation to the ‘romantic’ Paris with your partner or the legendary Rome with your family and have the time of your life. We go the extra mile to ensure that you have a great experience with our services so that you can focus on the more important aspects of your life.

With a personal loan, we aim to make your life comfortable while making everything affordable at the same time. Fill out our application form today itself so that you can get the best personal loans with low-interest rates and live the real American dream!

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Payment Examples

The following examples depict the APR, monthly payment and total payments during the life of a $16,000 personal loan. For variable rate loans, the one-month LIBOR index is currently 0.74% and may change monthly. Changes in the LIBOR index may cause your APR and monthly payment to increase. Your actual interest rate may be different than the rates in these examples and will be based on term of loan, your financial history and other factors.

Fixed Rate Loans

TermOrigination FeeRate (APR)No. of PaymentsMonthly PaymentTotal Payments
3 Years1.00% – 5.00%5.95% – 12.99%36$486.39 – $539.03$17,510.04 – $19,405.08
5 Years 1.00% – 5.00% 7.07% – 14.24% 60$317.31 – $353.81$19,038.60 – $21,228.60
7 Years1.00% – 5.00% 8.08% – 12.24% 84 $249.98 – $284.50 $20,998.32 – $23,898.00

Variable Rate Loans

TermOrigination FeeRate (APR)No. of PaymentsMonthly PaymentTotal Payments
3 Years1.00% – 5.00%5.03% – 9.33% 36$479.84 – $510.26 $17,291.42 – $18,415.36
5 Years 1.00% – 5.00% 5.79% – 9.77% 60$306.20 – $339.45 $18,469.65 – $20,279.00
7 Years1.00% – 5.00% 6.72% – 10.89% 84 $238.60 – $273.74 $20,087.90 – $22,923.07