Payment Solutions fit for life - not your credit score.

Get clear terms, easy payment options, and consideration beyond your credit score with American First Finance.

American First Finance – A Better Yes!

Retail Installment Sales Contract

Between you and the merchant. Amortizing payment schedules with flexible early payoff options.

Retail Installment FAQs

Lease Purchase Agreement

Between you and American First Finance. We buy the merchandise from the merchant and lease it to you with flexible renewal payments.

Lease Purchase Agreement FAQs

Bank Loans

Between you and the Bank. We service multiple bank solutions to meet most any need.

Bank Loan FAQs

What each product has in common

Regardless of which product is used, the application experience is fast and easy.  While your credit will be checked, none of the products offered require that you have a credit score in order to get approval.  In most cases, approval amounts can be as high as $5,000.  And everything is done with complete transparency before, during, and after the agreement signing process.

Credit Not Required

Approvals are subject to verification and possible without great credit, but we will check credit history.

Pay As You Go

Get approved for up to $5,000 with easy and flexible payment options.

Total Transparency

Whichever payment solution you choose, you will see your contract rates, terms and conditions before signing.

Shop By Category

Furniture & Decor


Electronics & Repair


Auto Repair

Personal Care


Power Sports

Where To Apply

In Store & Online

Apply inside participating retail locations or from their website.


Text “Shop” to 41806 to apply with our partners. Messaging and data rates may apply.

Shopping Cart

Apply ‘in-cart” with participating eCommerce merchants.

No Credit Needed

Payment Options^*

American First Finance partners with FinWise Bank to help provide no credit needed^ flexible payment options for eligible consumers across the US & Puerto Rico.

Our fast & easy online application gives you an approval decision in as soon as minutes so you can get peace of mind with the funding you need and stay ready for life at every turn.

Get an Approval Decision

in as soon as Minutes**

Choose from thousands of major and local stores across the country and get access to the highest quality products and services you need.

Search for a store in your area and apply online for an approval decision in minutes.**

Apply & Shop Today* (if Approved)

Search 20,000+ stores & apply online for a decision in as soon as minutes.**

Payments Made Easy & Flexible

Enjoy easy payment amounts and a comfortable payment schedule.

No Credit Needed*

Credit will be checked, but we consider more than your credit score when you apply.

Top Stores

Get approval amounts from $200 up to $5,000 and enjoy a network of 20,000+ stores to choose from.

Simply find a store and apply online with American First Finance. If approved, we’ll give you the ability to transact at the store you selected.

Our network of fine merchants includes stores you already know and love – here are just a few!

modern living room sofa with metal bookshelf behind