Payments and Billing

Helping you buy now and pay over time.

Why did I get a charge from Amerfirstfinpayment.com?

 

If you see a charge on your account statement from Amerfirstfinpayment.com, that is us, American First Finance. We help consumers like you make purchases at the point of sale or with direct bank loans that allow you to pay over time. We partner with 1,000’s of name-brand retailers throughout the United States, as well as FinWise Bank. If you see a charge from us, it is because you signed an agreement with one of our retail partners or applied for a FinWise Bank loan to make a purchase and pay over time with us, American First Finance. If you have any questions or concerns, please reach out to our Customer Service team by calling (877) 544-0994 or start an online chat.

Frequently Asked Questions

Automatic Payments

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A payment was withdrawn from my account, but I did not authorize this payment.
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Does American First Finance offer automatic payments?

Payments & Fees

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What happens if I’m late making a payment? Are there fees?

Payment Schedule

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What payment schedules are available?

Early Payoff Discount/Early Buyout

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What can I do if I’ve missed my early payoff discount date or early buyout date and my balance increases unexpectedly?

Payment Assistance & Hardship

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What can I do if I fall behind or experience a hardship that prevents me from making my scheduled payments?

Contract

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What can I do if my agreement has an error or incorrect information?

Customer Service Hours

Mon-Fri: 8 am – 10 pm CST

 

Saturday: 8 am – 7 pm CST

 

Sunday: 8 am – 6 pm CST

Online Chat Hours

Mon-Fri: 8 am – 7 pm CST

 

Saturday: 8 am – 5 pm CST

 

Sunday: Unavailable

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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.