AAMES FINANCIAL CORP/DE
8-K, 2000-07-14
LOAN BROKERS
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<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
                           ---------------------------

                                    Form 8-K

                                 CURRENT REPORT
                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

         Date of Report (Date of earliest event reported): July 12, 2000


                           AAMES FINANCIAL CORPORATION
             (Exact name of Registrant as Specified in Its Charter)


          Delaware                  0-19604                  95-340340
(State or Other Jurisdiction      (Commission             (IRS Employer
     of Incorporation)            File Number)          Identification No.)



                       350 South Grand Avenue, 52nd Floor
                          Los Angeles, California 90071
                    (Address of Principal Executive Offices)



                                 (323) 210-5000
          -------------------------------------------------------------
              (Registrant's Telephone Number, Including Area Code)


                                       NA
          -------------------------------------------------------------
          (Former Name or Former Address, if Changed Since Last Report)

<PAGE>

ITEM 5.  OTHER EVENTS

         Reference is made to the press release of Registrant issued on July 12,
2000 which contains information meeting the requirements of this Item 5 and is
incorporated herein by this reference. A copy of the press release is attached
to this Form 8-K as Exhibit 99.1.


ITEM 7.  FINANCIAL STATEMENTS AND EXHIBITS

         (c)    EXHIBITS

         99.1   Press release issued June 12, 2000.


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<PAGE>


                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
as amended, the Registrant has duly caused this Current Report on Form 8-K to
be signed on its behalf by the undersigned hereunto duly authorized.

                                                 AAMES FINANCIAL CORPORATION





Dated: July 12, 2000                        By:  /s/     Ralph W. Flick
                                                 ------------------------------
                                                         Ralph W. Flick
                                                         Assistant Secretary


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<PAGE>

                                  EXHIBIT INDEX
<TABLE>
<CAPTION>
Exhibit No.                    Description of Exhibit
----------                     ----------------------
<S>                      <C>
   99.1                  Press release issued July 12, 2000.
</TABLE>


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