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Here are the most common things people want to know about American First Finance.

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Who is American First Finance?
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Do I need a certain credit score to get approved?
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What Does “No Credit Needed” mean?
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How do I access My Account?

Payment Solutions

Lease to Own

Retail Installment Sale Agreement

Bank Loan

Credit

Credit bureaus

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What are the three credit bureaus?
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Which credit bureau is most important?
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How often do credit bureaus update?

Credit reporting

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Does AFF report to credit bureaus?
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What credit bureaus does AFF report to?
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Does AFF do a soft or hard credit check?
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Does AFF help your credit score?
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When does payment history update with credit reporting agencies?
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Can you make a courtesy adjustment if I missed a payment?
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How do I get a credit report?

Credit scores

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What is a credit check?
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No Credit Needed means what?
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What does “No Credit Needed” mean?
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Does AFF check credit?
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Can I get a copy of my credit report?
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Does AFF have credit requirements?
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How does AFF decide if you qualify?
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Can I be approved with bad credit?
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Can I get approved with no credit?

Credit bureau + credit management

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Can I confirm my credit dispute is resolved?
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How to file a dispute with a credit bureau?
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How to update incorrect credit bureau info?

Credit bureaus we work with include

Clarity Service Inc.

www.clarityservices.com

Credit Report: 1-866-390-3118

Report Fraud: 1-866-390-3118

TransUnion

www.transunion.com

Credit Report: 1-800-916-8800

Report Fraud: 1-800-680-7289

Security

Identity theft

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Fraud or ID Theft suspected?
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How do I fill out the ID theft form?
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Additional ID Theft resources?
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How to report identity theft to credit bureaus?
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Credit report info incorrect?

Payment Solutions

LTO

Lease-to-Own

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What's lease to own?
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Do I own the LTO merchandise day 1?
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Can I return LTO merchandise?
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Is there a “same as cash” option?
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Does LTO have interest?
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What's Early Buyout Option for LTO?
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Do automatic payments pay off EBO?
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What is lease termination?
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Do you report LTO payments to credit bureaus?

RISA

Retail Installment Sale Agreement

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Do I have to make a down payment?
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Is this a cash loan?
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Can I pay it off early?
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Do payments get reported to the credit bureaus?

Bank

FinWise Bank

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What is a bank loan?
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What is No Credit Needed?
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Certain credit score needed?
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Do payments get reported to credit bureaus?
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Who is my loan with?
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Can I pay off early?
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What is the Early Payoff Discount?
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What happens if I overpay during the Early Payoff Discount?
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When does the Early Payoff Discount Period expire?

Payments

Question about payment

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What is my payment date?
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Who should I contact if I think there’s been an error related to a payment on my account?
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What’s the refund policy?

Still have questions?
Contact us.

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American First Finance
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Customers
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Businesses
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Learn

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American First Finance

Customers

Businesses

Learn

© 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.