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

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 with American First Finance (AFF). Terms and conditions subject to change without prior disclosure or notice.

Let's talk options:

Products, rates, and terms may vary by location. You may choose to take an in-stock item today, schedule delivery, or complete a service and pay over time. The total number of payments is based on your agreement and pay frequency.

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 AGREEMENT: A retail installment agreement is not a loan. You may enter into a Retail Installment Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant.

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 fees, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item is more than the retail cost. You can cancel your lease at any time without penalty by contacting AFF.

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