Business Details
21 Years
experience
Trusted Installment Loan Services in St. Louis, MO
American Credit Services has proudly served the St. Louis community for over two decades, establishing its Affton location in 2006. Our mission centers on providing accessible financial solutions to individuals facing credit challenges, including those denied traditional banking services. With deep roots in the local community, our team prioritizes personalized service and financial empowerment. Steve, our owner, brings over 20 years of alternative finance expertise, driven by a commitment to help residents rebuild credit and overcome financial obstacles. Lisa, our Affton store manager, ensures every customer receives compassionate guidance tailored to their unique needs. We specialize in installment loans with flexible repayment terms, offering both secured and unsecured options to accommodate diverse financial situations.Our transparent reporting to TransUnion helps borrowers build credit through consistent, on-time payments. Regulated by the Missouri Division of Finance, we maintain strict compliance with state lending standards while prioritizing customer education about loan terms and responsibilities. Our convenient hours and online application process ensure accessible service for busy individuals. By combining local expertise with responsible lending practices, we strive to be the trusted financial partner for St. Louis residents navigating temporary financial challenges.
Services
Installment Loans
Secured Loans
Bad Credit Loans
Online Applications
Credit Reporting
Details
- Year established: 2005
Highlights and features
- 20 years of community-focused lending experience in St. Louis
- Personalized loan solutions for bad credit and no credit situations
- Credit-building opportunities through TransUnion payment reporting
- Flexible repayment terms with bi-weekly, semi-monthly, or monthly options
- Local ownership with deep understanding of regional financial needs
What people say
Fast approval loans
Great Customer services
Helps build credit
Fast and Easy
Personalized service
Services
Installment Loans
Flexible installment loans provide manageable repayment options for St. Louis residents facing financial emergencies. These loans allow borrowers to repay amounts between $100 and $2,500 over 4-18 months through equal payments. By reporting payment history to TransUnion, we help clients improve their credit scores while addressing urgent needs like car repairs or medical expenses. Our streamlined approval process requires only an active bank account, verifiable income, and working phone number.
Secured Installment Loans
Secured installment loans offer favorable terms through collateral-backed financing for Missouri residents. Borrowers can obtain $100-$2,500 by pledging assets like free-and-clear vehicle titles, with repayment periods extending 4-18 months. This option benefits individuals seeking larger loan amounts or more favorable repayment terms. We report all payments to TransUnion while maintaining no prepayment penalties, allowing borrowers to build credit and potentially reduce debt faster without additional costs.
Bad Credit Loans
Our bad credit loan program provides financial access to individuals denied traditional banking services. With no credit checks required, these loans help clients address immediate financial needs while establishing positive payment histories. The TransUnion reporting feature creates credit-building opportunities for borrowers with poor or limited credit histories. Loan amounts range from $100 to $2,500, with repayment terms structured to match borrowers' income cycles through bi-weekly, semi-monthly, or monthly payments.
Online Applications
The online application process enables 24/7 access to installment loan services for Missouri residents. This digital platform provides instant approval decisions while maintaining the same responsible lending standards as in-store applications. Borrowers complete the process remotely using any internet-connected device, requiring only electronic verification of bank accounts and income documentation. The system maintains compliance with Missouri lending regulations while offering convenience for tech-savvy borrowers.
Credit Reporting
Our credit reporting service helps borrowers rebuild financial standing through TransUnion payment history submissions. Consistent on-time payments create positive credit records that can improve FICO scores over time. This feature benefits individuals recovering from financial setbacks or establishing credit for the first time. The reporting process operates automatically with no additional fees, creating an integrated path to better credit without requiring separate enrollment in credit-building programs.
People
Steve
Owner
Steve has operated in the Affton community for over 20 years, transitioning from retail management to alternative finance. His 20-year lending experience focuses on helping residents with credit challenges access responsible financial solutions.
Lisa
Store Manager
Lisa has managed the Affton location since 2006, prioritizing personalized customer service. She specializes in matching clients with appropriate loan solutions while maintaining the company's family-oriented business philosophy.
Questions
What loan amounts are available?
We offer installment loans ranging from $100 to $2,500 based on credit approval.
Do you work with bad credit borrowers?
Yes, we specialize in helping individuals with bad credit or no credit history.
How does the application process work?
Apply online or in-store with an active bank account, income verification, and phone number.
What is the maximum APR charged?
The maximum annual percentage rate at this location is 550% as disclosed in loan agreements.
Can I build credit through these loans?
Yes, we report all payments to TransUnion to help borrowers improve their credit scores.
