Speedier than
your morning
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Just a few taps and you’re in. With fast approvals and flexible payments, getting started is smooth, quick, and all about you.3

Apply Online
Go Shopping
Pay Over Time

1. Apply Online

Shop by category

Choose from over 30 popular categories including tires, furniture, dental care, and more.

Find a store

Get used to convenience. From thousands of locations, find a store near you.

Apply from anywhere in minutes

Approvals are quick, easy, and done before you know it. Start and see for yourself.3

Get your approval decision

After submitting your application, you’ll receive a response in minutes—right on your phone, including your approval amount.3

2. Go shopping

Enjoy exclusive benefits:

Multiple transactions

Apply to access your unused approval amount for additional shopping power—available anytime while your account is active.1

20% more shopping power

Pay your account in full or complete your lease and you may be eligible for a 20% increase up to the maximum approval amount.

Pre-approval

Make your payments on time and pay your account in full or complete your lease, and get pre-approved for next time.1

3. Pay over time

Managing your payment schedule is easy with automatic payments.

Choose payment day

Consider aligning your payment date around your payday schedule. It’s easy to do and helps you make your payments on time.

Autopay: set it and forget it

Easily stay on top of your payments. You can manage automatic payments by accessing the Customer Login, also known as My Account. Then sit back and relax.

Pay and save your way

Choose how to complete your agreement with the options that work best for you.2

  • Early Buyout/Payoff Discount (Option)
    Lowest Overall Cost (typically 90 or 101 days early savings window)
  • Early Completion Savings (Option)
    Most flexible (after Early Buyout/Payoff Discount window)
  • Full-Term (Default)
    Lowest payment amounts

FAQs

Here’s some common questions. If you can’t find what you’re looking for, check out our Help Center.

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When you say, “No credit required” or “Credit not required for approval,” what does that mean?
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Does a lease-to-own transaction have interest?
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Can I pay off early?
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Do I need a certain credit score to get approved?

Where Yes
can take you6

Where Yes can take you6

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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.