Four steps AFS Vanguard uses to keep things real simple for you:
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ONE: We have 35+ years combined direct experience in the consumer and small loan industry. Our elite software platform is a complete reflection of this experience. DOS: AFS Vanguard Desktop runs your loan company, AFS Vanguard Corporate Mirror runs your corporate home office THREE: Access your business using either Vanguard Desktop (formerly earth) or Vanguard Web (formerly cloud)
FOUR: Integrate all your branch needs and/or all your corporate home office needs inside AFS Vanguard.

Service: We stand behind our name

Service: We stand behind our name

The AFS Vanguard system is a sophisticated, affordable solution for the Consumer Finance industry.

By means of an experienced team and the latest technologies, AFS provides best of class service to meet your most demanding needs.

AFS's mission is to provide the best technology available at the best possible price. Our service commitment to our customers is second to none.

By adopting state-of-the-art technology to keep the books, track profits and manage customer accounts, you will tap into the same efficiency gains as big established enterprises to boost profit and growth.

Great software, backed by excellent service 7 days a week.

What is AFS Vanguard?

What is AFS Vanguard?

AFS Vanguard is the type of software that you will need to operate your office efficiently for many years to come. We operate in over 11 different states and Mexico. Our software has been retrofitted to use the latest technologies (post-2000) and features capabilities that no competitor currently offers.

AFS Vanguard represents the state of the art in software for consumer finance and small loan companies. It is designed to provide maximum control of your loan office operations. Powerful, yet easy to use, AFS Vanguard meets the needs of the users in the branch office, as well as the needs of supervisors in the field and the executive team in the home office, all for a very affordable price.

What do you need to use AFS Vanguard?

What do you need to use AFS Vanguard?

Our effective service team will provide all you need to get your system up and running within a couple of hours. AFS Vanguard has been developed using state of the art Java Enterprise. It relies on the PostgresQL Open Source database, the OpenOffice Open Source office suite and the latest Windows offerings from Microsoft. The Linux Open Source operating system is used in all our Amazon AWS cloud servers and in all home office mirror servers. The use of these Open Source alternatives, provides a very cost effective, stable, dependable and powerful data processing platform for any loan company anywhere in North America.

Open Office 3.4.1
Java 1.6
PostgreSQL 9.3
Windows XP or higher
Linux CentOS for Home office mirrors

Discover Card Debit Payments

If your store is looking to improve collection flow, we have become aware of Discover’s aggressive entry into the debit card space. AFS Vanguard stands ready to process Discover debit card payments, please contact your processor to ensure your account has the Discover capability turned on.

AFS Vanguard and COVID-19

Dear AFS Vanguard customer, At AFS, we have always been inspired by the spirit of the consumer finance industry to serve the community. In these unprecedented times, we are certain we would tide the storm and come back stronger. First, our prayers are with anyone infected by COVID-19; we wish speedy recovery to you and

Transunion Soft Inquiries

Apparently with the booming economy credit scores are now becoming widely used. We have just received notice from TransUnion representatives that if your company wishes to switch from Hard inquiries to Soft inquiries, a new subscriber code needs to be established, and such subscriber code entered into your AFS Vanguard options screen. We do not

North Carolina new NSF fee effective October 16

All AFS Vanguard systems operating in NC will begin assessing the new $30 NSF Fee automatically effective October 16, 2019. Contracts executed before this date will continue to assess the previous $25 charge. All NC workstations are set to autoupdate to AFS Vanguard b147-84, if you have a workstation not properly configured for autoupdate, please

AFS sms texting news

Our sources have pointed us to updated CTIA guidelines ( that were released mid July 2016. Please consider: 1.        It appears from the guidelines in this handbook, the minimum requirements for including the “Reply STOP to stop” are once a month to each customer. It may make sense to include it more often, but that appears