424B3 1 four24b3.txt 424B3 Filed Pursuant to Rule 424(b)(3) File No. 333-63014 AMERICAN BUSINESS FINANCIAL SERVICES, INC. INVESTMENT NOTES RENEWALS ONLY RATE SUPPLEMENT PROSPECTUS SUPPLEMENT DATED 01/10/02 Term Rate Annual Yield* --------------------------------------------------------------- 3-5 mos. 5.83% 6.00% 6-11 mos. 7.00% 7.25% 12-17 mos. 8.35% 8.70% 18-29 mos. 9.08% 9.50% 30-47 mos. 8.62% 9.00% 48-59 mos. 8.75% 9.14% 60-119 mos. 9.31% 9.75% 120 mos. 9.54% 10.00% --------------------------------------------------------------- Minimum Investment for Investment Notes is $1,000 These rates apply only to the reinvestment of all or a portion of the principal and/or interest due upon maturity. AMERICAN BUSINESS FINANCIAL SERVICES, INC. IS A NASDAQ LISTED COMPANY (ABFI) An offer can only be made by the Prospectus dated October 16, 2001, delivered in conjunction with this Rate Supplement dated January 10, 2002. See "Risk Factors" for a discussion of certain factors which should be considered in connection with an Investment in the Notes. *The Effective Annual Yield assumes all interest reinvested daily at the stated rate. The rates for the Investment Notes are available from February 1, 2002 through February 21, 2002. You may obtain an additional copy of the Prospectus dated October 16, 2001 free of charge from American Business Financial Services, Inc. by calling (800)776-4001. Investment Notes represent obligations of ABFS and are not certificates of deposit or insured or guaranteed by the FDIC or any other governmental agency. (LOGO) AMERICAN BUSINESS For information, FINANCIAL SERVICES, INC. call 1-800-776-4001 BalaPointe Office Centre 111 Presidential Boulevard Bala Cynwyd, PA 19004 www.ABFSonline.com