<PAGE>
Filed Pursuant
AMERICAN BUSINESS FINANCIAL SERVICES to Rule 424(B)(3)
File No. 333-63859
INVESTMENT NOTES:
Prospectus Supplement Dated
August 26, 1999
Rates For Investment Notes of $1,000 .25%
Rate Card Bonus Rate
ABFS Celebrates With A Bonus Rate For Investors
<TABLE>
<CAPTION>
BONUS BONUS
TERM RATE ANNUAL YIELD BONUS RATE YIELD
<S> <C> <C>
3 to 5 Months 7.50% 7.78% NA NA NA
6 to 11 Months 8.10% 8.43% +.25 8.35% 8.70%
12 to 17 Months 8.75% 9.14% +.25 9.00% 9.41%
18 to 23 Months 9.00% 9.41% +.25 9.25% 9.69%
24 to 29 Months 9.25% 9.69% +.25 9.50% 9.96%
30 to 35 Months 9.50% 9.96% +.25 9.75% 10.24%
36 to 47 Months 9.75% 10.24% +.25 10.00% 10.51%
48 to 59 Months 10.00% 10.51% +.25 10.25% 10.79%
60 to 83 Months 10.75% 11.34% +.25 11.00% 11.62%
84 to 119 Months 10.90% 11.51% +.25 11.15% 11.79%
120 Months 11.25% 11.90% +.25 11.50% 12.18%
Money Market Notes 6.15% 6.34% NA NA NA
</TABLE>
Minimum for Investment Notes and Money Market Notes: $1,000.
Ask About Our Rates For Larger Investments.
Please call (800) 776-4001 for more information.
[LOGO OMITTED]
AMERICAN BUSINESS FINANCIAL BUSINESS, INC.
BalaPointe Office Centre
111 Presidential Boulevard
Bala Cynwyd, PA 19004
2255 Glades Road
Suite 311E
Boca Raton, FL 33432
2425 E. Camelback Road
Suite 1065
Phoenix, AZ 85016
www.abfsonline.com
American Business Financial Services, Inc. is a NASDAQ listed company (ABFI).
* An offer can only be made by the Prospectus dated October 20, 1998, delivered
in conjunction with this Rate Supplement dated August 26, 1999. See "Risk
Factors" for a discussion of certain factors which should be considered in
connection with an Investment in the Notes.
* Interest is compounded daily based on a 365-day year. The effective annual
yield assumes all Interest remains invested for 365 days. The rates for
Investment Notes are available through September 29, 1999. The Interest paid
on the Money Market Notes is subject to change from time to time at the
Company's sole discretion provided that such rate shall not be reduced below
4.0% per year. Written notice of any decrease in rate will be provided to
holders of such notes at least 14 days prior to the effective date of the
change. No notice will be provided in connection with an increase in the
interest rate paid on such notes.
[Logo Omitted]
