American First Finance (AFF) is a leading consumer finance company in the United States that provides flexible payment options to consumers who may not qualify for traditional credit. Whether you’re looking to finance furniture, electronics, appliances, or auto repairs, AFF offers lease-to-own and installment loan options through thousands of partner merchants across the country.

What Is American First Finance?

Founded in 2013, American First Finance was created to serve the needs of credit-challenged or no-credit consumers. Unlike traditional lenders, AFF focuses on alternative underwriting methods—such as income and bank activity—rather than solely relying on credit scores.

As of 2021, AFF became part of FirstCash Holdings, Inc., a publicly traded company. This acquisition has expanded its reach and resources, enhancing its ability to serve more consumers and retailers.

Key Services Offered by American First Finance

1. Lease-to-Own Financing

This is AFF’s most popular option, allowing customers to lease items with the option to own them over time.

• No credit required: Approvals based on income, not just credit score

• Flexible payments: Weekly, bi-weekly, or monthly

• Early purchase option: Save money by paying off early

• Available at partner retailers: Used in-store or online for various goods

2. Installment Loans

AFF also offers retail installment loans, which are similar to traditional loans but often easier to obtain for those with less-than-perfect credit.

• Fixed terms and payments

• Transparent pricing

• Loan amounts typically between $300 and $5,000

3. Personal Loans (in partnership with banks)

Some customers may qualify for a bank-issued personal loan that AFF services. These loans are often used for larger purchases or emergency expenses.

Also Read:

Kia Finance: Affordable Ownership with Interest-Free Installment Plans

Benefits of Choosing American First Finance

• ✅ No credit needed: Makes financing accessible for more people

• ✅ Fast approval process: Many applications approved in minutes

• ✅ Nationwide retail network: Shop at thousands of merchants

• ✅ Clear terms: Know exactly what you’ll pay before committing

• ✅ Opportunity to build credit: Timely payments may be reported to credit bureaus

How the Process Works

1. Visit a partner store or go online to apply through a retailer

2. Fill out a quick application with basic income and bank details

3. Get approved—no hard credit inquiry in most cases

4. Choose your product and sign the lease or installment agreement

5. Make regular payments until your contract is completed or paid off early

Industries and Retail Categories Covered

American First Finance partners with retailers in a wide range of industries:

• Furniture and home goods

• Electronics and appliances

• Tires and auto repairs

• Dental and medical services

• Jewelry, mattresses, and more

Frequently Asked Questions

Is American First Finance a lender?
AFF is not a traditional bank lender. It offers lease-to-own agreements and installment loans and services bank loans issued by partner banks.

Will applying hurt my credit score?
No. AFF performs a soft credit check, which does not impact your credit score.

Can I pay off my lease early?
Yes, and doing so may significantly reduce your total cost.

How much can I be approved for?
Loan and lease amounts typically range from $300 to $5,000, depending on income and other criteria.

Final Thoughts

American First Finance bridges the gap for consumers who need flexible financing but may not have access to traditional credit. With fast approvals, a wide retail network, and transparent terms, it offers an inclusive way to purchase what you need without financial stress.

If you’re looking for a practical, interest-free (in some cases), or credit-friendly financing option, AFF could be the right fit for you.