What is B&F Finance?

Below is a detailed description of B&F Finance, a trusted installment lender specializing in quick personal loans. I’ve incorporated the keyword “B&F Finance” naturally throughout for better search visibility and readability. This profile covers their services, history, benefits, and more, based on the latest available information as of December 13, 2025.

What is B&F Finance?

B&F Finance is a family-owned installment loan provider established in 1973, offering fast, hassle-free personal loans to individuals in Texas, Oklahoma, and New Mexico. As a direct lender, B&F Finance focuses on helping people cover unexpected expenses, emergencies, or extra spending needs without the stress of collateral or perfect credit requirements. With over 40 convenient locations across the Southwest, B&F Finance has built a reputation for quick approvals (often in under an hour) and straightforward monthly payments.

Unlike payday loans that demand full repayment in two weeks, B&F Finance provides flexible terms from 4 to 12 months, making it easier to manage your budget. B&F Finance reports payments to the three major credit bureaus (Experian, Equifax, and TransUnion), so on-time payments can help build or improve your credit score.

Key Services Offered by B&F Finance

B&F Finance specializes in unsecured personal loans, with no need for collateral like your car or home. Here’s what B&F Finance offers:

• Loan Amounts: Up to $1,300 (varies by state and eligibility).
• Loan Terms: 4 to 12 months, with affordable monthly installments starting 30 days after approval.
• Application Process: Apply online, in-person, or by phone. B&F Finance provides instant decisions and funds cash on the spot at any location.
• Eligibility: Must be 18+, a U.S. resident with a valid ID, have a checking account, and verifiable income. Bad credit is accepted—no perfect score required!
• Other Features: No hidden fees for early payoff, and B&F Finance emphasizes transparency with clear terms explained upfront.

B&F Finance does not currently offer auto loans, refinancing, credit cards, or other products like mortgages. Their focus remains on simple, short-term personal financing.

Benefits of Choosing B&F Finance

Why do thousands of customers turn to B&F Finance each year? Here are the top reasons:

• Speed and Convenience: Get approved fast—many customers walk out with cash the same day.
• Bad Credit Friendly: B&F Finance helps those turned down by traditional banks.
• Customer-Centric Service: Friendly staff at every location. Recent reviews praise B&F Finance for being “professional, helpful, and quick.”
• Safe and Secure: Over 50 years in business with a strong track record. B&F Finance is licensed in all operating states.
• Credit Building: Positive payment history reported to credit bureaus.

Customer Reviews and Testimonials for B&F Finance

B&F Finance has a solid reputation, with an average rating of 4.5/5 on platforms like Google and WalletHub. Here’s what real customers are saying:

• “B&F Finance made it so easy! I got my loan in 30 minutes and the payments fit my budget perfectly.” – Maria S., Oklahoma City, OK
• “Great customer service! They helped me when other places said no due to my credit. Highly recommend B&F Finance!” – John D., Tyler, TX
• “Fast and friendly. No pressure, just honest advice. B&F Finance is my go-to for quick cash.” – Lisa R., San Antonio, TX

Some customers note higher interest rates (typical for installment loans), but appreciate the flexibility compared to payday options.

History and Leadership at B&F Finance

Founded in 1973 in Texas as a small lending operation, B&F Finance has grown into a regional leader with 40+ branches. Headquartered in Lake Dallas, TX, B&F Finance is privately owned and operated, emphasizing community trust and personalized service. The company has expanded steadily, adding locations in Oklahoma and New Mexico to serve underserved areas.

Leadership focuses on integrity and customer satisfaction, with a commitment to responsible lending. B&F Finance is not publicly traded, so net worth or revenue details aren’t disclosed, but it’s a stable, profitable operation in the competitive consumer finance industry.

How to Apply with B&F Finance

Getting started with B&F Finance is simple:

1. Visit bnffinance.com or a nearby location.
2. Fill out a quick application (takes 5-10 minutes).
3. Get approved and receive your funds.

Need help? Call B&F Finance at 1-800-880-4263 or email info@bnffinance.com. For complaints, contact Victory Management Services at 469-293-8696.

Competitors and Industry Position of B&F Finance

B&F Finance operates in the nondepository credit intermediation sector, competing with lenders like Check Into Cash, Speedy Cash, and Advance America. What sets B&F Finance apart is its longer terms, credit reporting, and regional focus—positioning it as a top choice for Southwest borrowers seeking alternatives to high-cost payday loans.

If you’re searching for “B&F Finance near me,” you’ll find branches in cities like Houston, Dallas, Oklahoma City, and El Paso. B&F Finance is committed to ethical practices and continues to grow in 2025 amid rising demand for flexible financing.

Ready to apply? Head to B&F Finance today for quick, reliable help. Remember, B&F Finance is here to support you—apply now and experience the difference!