Point-of-Sale Payment Solutions

Flexible Payment Options for when Life hits.

Read on to find intelligent POS flexible payment solutions made for customers – not their credit scores.*

 

*Credit may be checked. Subject to standard underwriting criteria.

Our flexible payment solutions.

Give your customers access to more products and more control over how much they want to spend. As an AFF Merchant Partner, you’ll get to choose exactly which flexible payment solutions you want to offer.

Our comprehensive product suite allows us to connect eligible customers with the right flexible payment solution products according to State & Federal laws and regulations.

Do you own a network of stores?

Great!  We’ll get each store set up based on the flexible payment solutions you choose and the local jurisdiction.

 

Our Partners enjoy premium access to thousands of engaged consumers actively searching for the products they carry.

 

Join a List of Trusted Business Partners.

 

 

By The Numbers

Flexible payment solutions are a win-win-win. Your eligible customers get the products they want, you get the sale, and everyone can enjoy the benefits of a quality partnership.

Access to New Shoppers

Get premium access to engaged shoppers in your vertical.

 

Flexible Payment Solutions can drive new, targeted customers to our Partners – online or off. Engage with in-funnel customers as they actively seek to make a purchase.

Increase Transactions & Grow AOVs

Low up-front payments mean more product options. Give your customers access to a range of high-quality products and watch your average order value grow.

 

Flexible Payment Solutions lead to more sales, with higher ticket prices.

Boost Customer Lifetime Value 

Happy customers lead to repeat business – we’ve seen this first-hand. Continue to build your customer loyalty by giving them new options to overcome old challenges.

 

And watch loyal customers return to get more access to the products they know and trust.

Now Serving #51

Flexible Payment Solution options are now available for consumers in all 50 states & Puerto Rico.

 

Are you ready to grow? Apply to become part of American First Finance’s growing partner network.

 

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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.