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Filed Pursuant to Rule 424(b)(3)
File No. 333-87333
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American Business Financial Services
Investment Notes:
Prospectus Supplement Dated
December 29, 1999
.35% Preferred Bonus
ABFS Celebrates With A Bonus Rate For Investors
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TERM RATE ANNUAL YIELD* BONUS BONUS RATE BONUS YIELD*
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3-5 mos. 7.50% 7.78% +.35 7.85% 8.16%
6-11 mos. 8.75% 9.14% +.35 9.10% 9.52%
12-17 mos. 9.35% 9.80% +.35 9.70% 10.18%
18-23 mos. 9.50% 9.96% +.35 9.85% 10.35%
24-29 mos. 9.75% 10.24% +.35 10.10% 10.62%
30-35 mos. 9.85% 10.35% +.35 10.20% 10.73%
36-47 mos. 10.10% 10.62% +.35 10.45% 11.01%
48-59 mos. 10.45% 11.01% +.35 10.80% 11.40%
60-83 mos. 11.25% 11.90% +.35 11.60% 12.29%
84-119 mos. 11.35% 12.01% +.35 11.70% 12.41%
120 mos. 11.60% 12.29% +.35 11.95% 12.69%
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Minimum for Investment Notes $1,000.
Ask about our rates for larger investments
Please call (800) 776-4001 for more information
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- -------------------------------------------------------------------------------- BalaPointe Office Centre
AMERICAN BUSINESS FINANCIAL SERVICES, INC. IS A NASDAQ LISTED COMPANY (ABFI). 111 Presidential Boulevard
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American Business Financial Services, Inc. is a publicly traded Company (NASDAQ:
ABFI). An offer can only be made by the Prospectus dated October 15, 1999, 2255 Glades Road
delivered in conjunction with this Rate Supplement dated December 29, 1999. See Suite 311E
"Risk Factors" in the Prospectus for a discussion of certain factors which Boca Raton, FL 33431
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 2425 East Camelback Road
all interest remains invested for 365 days. Rates are subject to change. Suite 1065
Subordinated Investment Notes represent obligations of the Company and are Phoenix, AZ 85016
not certificates of deposit or insured by the FDIC or any governmental or
private entity. This announcement is neither an offer to sell nor a solicitation www.abfsonline.com
of an offer to buy Subordinated Investment Notes. This offer is made by
prospectus only. The rates are available through Jan. 24, 2000. These rates are
available to residents of the following states: AL, AK, CO, CT, DE, GA, ID, IA,
KS, KY, LA, MD, MA, MS, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OK, OR, PA, SC, SD,
TN, UT, WA, WI, WY.
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