When you experience
I Can, anything is possible

A better way forward

For years, the financial industry has operated on an outdated system of credit scores that currently denies 50% of applicants, leaving them grasping for solutions. Something had to change.

 

In 2013, it did. American First Finance was born.

 

Since then, 20,000 businesses have experienced the magic of I Can—empowering them to help customers get what they need, today.

 

Why not be one of them?

It starts in our DNA

Our Core Values are more than words on a page. They're part of who we are and at the heart of all we do. Our commitment is that you’ll experience these values through every step of your AFF experience.

Ignite your business

Your business passes through many seasons, and sometimes the outlook can feel stormy. Challenges such as the economy, new competition, and rising costs can all slow your growth. When headwinds appear, even a small spark can inspire hope, reminding you that better days are ahead.

 

That spark is the start of new possibilities, a brighter outlook, a catalyst for change.

 

So, What’s Possible Today? Let our spark illuminate the way to a brighter tomorrow, for you and your business.

Trusted by over 20,000 businesses, like yours

2013

Founded

30+

Industries

20,000+

Locations

5M+

Approved customers

Wherever you hang your OPEN sign

Through American First Finance, customers can access no-credit-needed payment solutions in all 50 states, plus Washington, D.C., and Puerto Rico.

What’s possible today
for your business6

What’s possible today
for your business6

Strength in stability

We’re committed to your long-term success. Through the backing of FirstCash Holdings, Inc., a $4.7 billion publicly traded company, you and your customers get added confidence and stability.

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© 2025 American First Finance. All Rights Reserved.

1 Application Terms: Your application, including the amount, cost, and approval, is subject to review and is not guaranteed. Applications are reviewed based on data you provide and one or more of the following: identity verification, bank verification, information from a third-party, a credit reporting agency, and/or prior experience through American First Finance (AFF).

Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.

Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.

Lease: A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months.

2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.

3 Decisioning may take additional time and not be same day. Additional information may be required.

4 This loyalty program is offered by FinWise Bank. The program provides loyal customers the opportunity to qualify for a lower rate. A rate reduction is valid on new loans only and cannot be applied to existing loans. The rate reduction is only applicable to customers with a prior loan open for at least 150 days, with all payments posted and cleared on time for the life of the loan, and the loan has been paid in full. Maximum of two (2) rate reductions per customer. Loans are originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Terms and conditions subject to change at any time without prior disclosure or notice.

5 Approval is possible without a credit score, but credit may be checked.

6 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.

To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.

American First Finance, LLC – NMLS ID 1757007

© 2025 American First Finance. All Rights Reserved.