Affordable payments with up to 24 month terms.

View details »

Zero money down for qualified applicants.

View details »

Up to $5,000 Approvals!

View details »

Supercharge Sales

Supercharge Sales

Want to leverage mobile technology to supercharge your store sales? American First Finance has a short mobile application that works on any device.

Increase Efficiency

Increase Efficiency

With applications that are 50% shorter, the time to make a decision on applications is super fast! Sales can be funded directly into your corporate bank account.

Cloud Storage

Kwik Dealer Portal

Cloud-based Dealer Portal can integrate into your shopping cart or stand alone for you to complete the sale.


Secure and Efficient

We let your customer apply anywhere they want and how they want; you get a completed sale!

We service a number of industries across the country. Here are a few.


Automotive Repair

Labor and parts included with Retail Installment Contracts.



Warranties, deliveries and sales tax included with Retail Installment Contracts.


Tires & Rims

Roll on with American First Finance! Our Retail Installment Contracts cover installation, services, products, and sales taxes.


Plumbing & HVAC

Special pricing models available to help customers afford bigger ticket must-have items.



Cosmetic services, tattoos, eyebrows? We can work with your company to enable your customers.



Use a program designed for products customers intend to keep, like flooring.

It was awesome and quick! After filling out the short online application I received a positive decision in less than a minute. I was using my new credit line the same day to furnish my son's new apartment.

Nate Washup

The process was fast and easy. What made me the most excited is that I was not judged about my past. Given a second chance to rebuild my credit made me feel like a person and not a number on some spread sheet.

Kenneth Martin

Working with this company was a pleasure. I have experience with the new "leasing to own" furniture companies like AFF, and it is just a pleasure to be able to get the furniture I want now while still paying accordingly later on...

Holloway Dominque

The application process was easy and I was approved quickly. I would not hesitate to recommend America First Finance to my friends.

Andre Smith

Already a Customer?
Log in here for quick easy payments and account information.
Let us take care of your needs by phone at 1-855-721-1188.
Monday - Saturday 8am to 10pm CST
Sunday 10am to 7pm CST

Up to 24 Months

Up to 24 Months

When it comes to payment plans it's about the payment. That’s why American First Finance goes up to 24 months. Compare our payments on a $3,000 purchase against the alternatives.

Awesome Approvals

Awesome Approvals

“Show me the money”. American First Finance approves more than 50% of the applicant's income, up to $5,000! Click here to see how we compare to other alternatives.


Unbanked or Under-Banked?

Not everyone uses a traditional bank these days. That’s why we accept payroll and select pre-paid cards as part of the application. Do we approve “unbanked” customers; meaning those that don’t have a traditional bank account? YES, WE DO!

Shop Again and Again

Shop Again and Again

We make it easy for customers to do more business. There's no need to fill out a blank application from scratch every time. If you get approved for $4,000 but only use $2,000 on your first transaction; that leaves you with $2,000 plus anything you pay down on the first transaction as “ready to go” approval for your next deal at any time. Let’s do business!

Same As Cash

Same As Cash & Early Payoff Options

Get Early Payment Options with our Retail Installment Programs.

Build That Credit

Build that Credit

American First Finance helps customers build their credit history along the way with our Retail Installment sales program. Qualifying, on-time payments are reported to Transunion and those payments help to positively impact your customer's credit scores.