Payment Solutions fit for life - not your credit score.

Get clear terms, easy payment options, and consideration beyond your credit score with American First Finance.

American First Finance – A Better Yes!

Retail Installment Sales Contract

Between you and the merchant. Amortizing payment schedules with flexible early payoff options.

Lease Purchase Agreement

Between you and AFF. We buy the merchandise from the merchant and lease it to you with flexible renewal payments.

Bank Loans

Between you and the Bank. We service multiple bank solutions to meet most any need.

What each product has in common

Regardless of which product is used, the application experience is fast and easy.  While your credit will be checked, none of the products offered require that you have a credit score in order to get approval.  In most cases, approval amounts can be as high as $5,000.  And everything is done with complete transparency before, during, and after the agreement signing process.

Credit Not Required

Approvals are subject to verification and possible without great credit, but we will check credit history.

Pay As You Go

Get approved for up to $5,000 with easy and flexible payment options.

Total Transparency

Whichever payment solution you choose, you will see your contract rates, terms and conditions before signing.

woman dancing shop now pay as you go


Search by Category

Furniture    Appliances       Electronics       Jewelry       Auto Repair       Medical       Pets       Recreation


apply in store or online

No Credit Needed

Payment Options^*

American First Finance partners with FinWise Bank to help provide no credit needed^ flexible payment options for eligible consumers across the US & Puerto Rico.

Our fast & easy online application gives you an approval decision in as soon as minutes so you can get peace of mind with the funding you need and stay ready for life at every turn.

Get an Approval Decision

in Minutes**

Choose from thousands of major and local stores across the country and get access to the highest quality products and services you need.

Search for a store in your area and apply online for an approval decision in minutes.**

electronics and headphones

Apply Today - Shop Today†

Search over 20,000+ stores & apply online for a decision in minutes.**

Payments Made Easy & Flexible

Enjoy easy payment amounts and a comfortable payment schedule.

No Credit Needed*

Credit will be checked, but we consider more than your credit score when you apply.

Top Stores

Get approval amounts from $300 up to $5,000† and enjoy a network of 20,000+ stores to choose from.

Simply find a store and apply online with AFF. If approved, we’ll give you the ability to transact at the store you selected.

Our network of fine merchants includes stores you already know and love – here are just a few!

modern living room sofa with metal bookshelf behind

Choose from our Network of Stores

†Bank Loans: Products may vary. New customers may be approved for loan amounts up to $3,500 and returning customers up to $5,000. See agreement for details.

*Subject to approval and standard underwriting criteria. Applications may be for payment solutions through American First Finance or loans from FinWise Bank, a Utah-chartered bank, Member FDIC. Products may vary by location. Terms and conditions are subject to change at any time without prior disclosure or notice.

**Decisions and funding may take additional time and not be same-day, including if more information is needed to complete the application.

^Approval is possible without a credit score, but we will check credit history.

All retail installment contracts and lease-to-own agreements are serviced by American First Finance, a licensee in certain states. All installment loans are originated by FinWise Bank, a Utah-chartered bank located in Utah, Member FDIC, and serviced by American First Finance. Because American First Finance services FinWise Bank installment loans, please contact American First Finance regarding any questions about your FinWise Bank installment loan.