Consumer Credit Company (Active) Membership

Available to consumer credit and finance companies engaged in providing financial services to consumers, small businesses, or both for at least one year in any U.S. state, possession, territory, or protectorate. Membership applications must be approved by the AFSA Board of Directors. 

What is the Cost to Join? 

Annual dues are based on a percentage of gross income from consumer lending activities. Dues are paid on a calendar year and prorated after March 1. Request a Dues Computation Form by contacting Sheilah Harrison. You will be invoiced after AFSA receives your dues computation form and you are approved for membership. 

List of Consumer and Commercial Finance Company Members (PDF)

Review the AFSA Guiding Principles then Complete an Active Member Application and email it to Sheilah Harrison, Vice President, Member Services or call (202) 466-8602. Click on the market segment that applies to your company for a list of benefits.

Traditional Installment Lenders and Sales Finance Companies
Companies that provide fixed rate, fully amortized loans which determine a borrower's ability to repay. Companies that provide traditional installment loans, report payment activity to credit bureaus, do not charge penalties for early repayment and do not require balloon payments. Companies that do not require the borrower to agree to a pre-authorized automatic withdrawal in the form of a bank draft, a pre-approved ACH or its equivalent.

Vehicle Finance and Leasing Companies
AFSA is the only association that brings together captive vehicle finance companies, indirect auto finance subsidiaries of banks, and independent auto finance companies that provide financing through franchise and/or independent dealers. 

Mortgage Lenders and Servicers
Companies that provide or service first or second mortgages or home equity loans, manufactured housing loans and other loans secured by a borrower's residence. 

Payment Card Issuers
Companies that offer credit and debit cards, and/or private label retail or other credit cards.