Armed Forces Loans of Nevada Is Not Accepting New Applications

Armed Forces Loans of Nevada is not taking new applications. Its online application page, read October 9, 2026, says: “At this time we are not accepting new applications.” It asks you to call 800-706-9676 with questions. The page’s code shows the old application choices switched off, but the homepage and the Army, Navy, and other service pages still carry “Apply now” buttons, and every one of them ends at that notice. The site does not say whether the pause is temporary.

So this page is for two readers. One already owes AFL money and needs to pay it, pay it off, or dispute it. The other searched for AFL because they need cash this week, and needs somewhere else to get it.

What the site shows on October 9, 2026

Before you send anything to armedforcesloans.com, know its condition. The site’s security certificate, issued by GoDaddy, was valid from February 4, 2024 to March 7, 2025. It has been expired for 19 months, so a current browser shows a security warning before the page loads. The footer copyright reads 2015. Nothing on the site says the company has closed, and the payment address and phone numbers are still posted.

Do not upload a Leave and Earnings Statement, a Social Security number, or bank details through a site with an expired certificate. The application page still shows a file upload box under the notice. Use the phone or the mail. The armedforcesloans.com pages in this article’s sources are listed as a record of what was read, not as a place to apply, and they open behind the same warning.

The terms AFL still publishes

These are the loan terms on the homepage, FAQ, services, and qualification pages, all read October 9, 2026. They describe the loans its current borrowers hold.

AFL’s sample loan checks out. At 15.95% over 18 months, standard amortization gives $188.50 a month on $3,000 and about $3,393 in total, so about $393 in finance charges. At the 35.95% top of its range, the same loan runs $218.05 a month and about $925 in finance charges. Paying by allotment adds $2 a month, or $36 over 18 months. The same $3,000 from Army Emergency Relief, where the installation AER officer can approve up to $4,000 (AER loan guide), costs $3,000 and nothing more.

The 35.95% ceiling sits five hundredths of a point under the Military Lending Act cap. The MLA’s MAPR counts credit insurance and other add-ons inside the rate (what the MAPR includes).

Who AFL said it would lend to

The qualification page lists the rules: active duty or career-retired, E-2 and above, a recent end-of-month LES, at least 18 months left on your current enlistment, any bankruptcy discharged for at least a year, and a requirement that AFL speak with the applicant. The 18-month rule screened out anyone close to separation. The bad-credit pitch on the homepage (“No Credit? No Problem!”) came with what the FAQ calls starter loan programs at up to 35.95%.

Active-duty borrowers who signed while on orders are MLA covered borrowers (who qualifies). Coverage is judged on the day you sign, but it does not follow you out of service: 32 CFR 232.2(a)(1) says the rule stops applying to a loan once you are no longer a covered borrower. The rate and terms in the contract you signed stay as written. A career retiree who signed on retired status was not a covered borrower, so on that loan the 35.95% top rate is AFL’s own term, not a federal limit.

Already have an AFL loan: pay it, or pay it off

Mail payments to PO Box 401484 with your account number, or call to pay. If you pay by allotment, AFL’s instructions have you add a savings allotment in myPay for the monthly payment plus the $2.00 fee, then upload a screenshot of the finish page to your online profile or email it to the company. Email it, or call; skip the upload while the certificate is expired. Coast Guard members and DoD civilians use their own pay systems. AFL states allotments are never a mandatory payment method, and 32 CFR 232.8(g) bars a lender from requiring one on covered credit. If you would rather pay another way, call and arrange it before you stop the allotment, so no payment is missed. The allotment guide covers how to stop one cleanly in myPay.

Paying early is the cheapest move you have. AFL says there is no prepayment penalty, and for a covered borrower § 232.8(h) forbids one. Ask for a payoff figure for a specific date and compare it with your remaining payments.

The SCRA’s 6% interest cap will rarely help here. It reaches only debts you took on before entering service (§ 3937), and AFL lent to people already serving.

For a dispute, AFL’s FAQ names a toll-free number for the Nevada Commissioner, 866-858-8951. That number does not appear on the Nevada Financial Institutions Division’s own contact page (read October 9, 2026), which lists (702) 486-4120 for the Office of the Commissioner in Las Vegas. Use the division’s number.

The public record on October 9, 2026

• BBB: not accredited and not rated. The BBB says it lacks sufficient information to rate the business. Its file was opened in 2001. The profile also carries an undated note, based on correspondence the BBB says it received, that mentions administration, origination, and wire transfer fees, a $25 late fee, and possible early payoff penalties. AFL’s own pages say “No up front fees. Ever.” and no prepayment penalty. Under 32 CFR 232.4(c), origination and other finance-charge fees count inside the MAPR, so they cannot push a covered loan past 36%.
• Licensing: AFL calls itself a licensed finance company but names no license number on the pages read. The NMLS Consumer Access lookup sits behind a human-verification page and was not read.
• Federal enforcement: no action naming Armed Forces Loans was found in the CFPB enforcement database, and a justice.gov site search for “Armed Forces Loans” returned no results.

Where to get the money instead

The fastest 0% money belongs to your branch’s relief society. AER’s Quick Assist goes up to $2,000 on a commander’s or first sergeant’s approval and NMCRS Quick Assist up to $1,000. AFAS folded its $1,500 Falcon loan into one application in 2025 that sizes help to the bill (AFAS terms). A military credit union is the next stop for a larger or longer loan. If you are already caught in a high-cost loan elsewhere, start with the payday and title loan exit plan.

What to do about Armed Forces Loans now

1. Need cash this week: call your relief society first. Start with the four societies compared.
2. Want to know if AFL reopens: call 800-706-9676, Monday to Friday 7 am to 4 pm Pacific. Send nothing through the website while its certificate is expired.
3. Existing borrower: confirm your balance and next due date by phone, and mail payments to PO Box 401484, Las Vegas, NV 89140, with your account number.
4. On allotment: the amount is your payment plus $2. To switch methods, set up the new one before stopping the allotment.
5. Pay off early if you can: ask for a dated payoff figure. AFL says it charges no prepayment penalty, and 32 CFR 232.8(h) bans one for covered borrowers.
6. For an unresolved dispute, contact the Nevada Financial Institutions Division at (702) 486-4120, then file with the CFPB.

This page is general education, not financial advice. AFL’s terms were read on its own site on October 9, 2026; your signed loan agreement governs.

The law behind this: 10 U.S.C. § 987(e) and 32 C.F.R. § 232.8

Banned terms in covered consumer credit, including required allotments and prepayment penalties: read the statute.