Getting to Know American First Finance – What Is It?

American First Finance (AFF) is a consumer financing company that helps customers with limited credit access essential goods and services through flexible lease-to-own and installment payment plans. 

Whether it’s furniture, dental care, auto repairs, or electronics, AFF makes it possible to pay over time—without needing traditional credit approval.

Read more: What is Aqua Finance? Everything You Need to Know

Key Takeaways

• AFF specializes in lease-to-own and installment plans for consumers with poor or no credit history.
• Available at over 20,000 retail locations in the U.S., including stores like Meineke, Aspen Dental, and American Furniture Warehouse.
• Over 5 million customers have used AFF to finance purchases, backed by FinWise Bank and FirstCash Holdings.

How American First Finance Works

AFF provides a variety of payment options designed to meet the needs of customers who may not qualify for traditional credit:

1. Consumer Installment Loan

Originated by FinWise Bank, these loans help finance purchases or provide cash directly to your bank account. Payments are made over a set term with fixed interest.

2. Retail Installment Sale Agreement

Instead of a loan, customers enter a payment agreement directly with a merchant to finance an item. AFF then purchases the agreement and collects payment.

3. Lease-to-Own (Rent-to-Own)

With this model, AFF buys the item for you and you lease it with the option to own it after completing all rental payments. You can also cancel at any time.

Each option offers early payment discounts, and returning customers in good standing may qualify for increased approval amounts and lower rates.

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Why People Use AFF

American First Finance is popular because it makes purchases accessible for those in financial transition:

• No traditional credit score required
• Apply online or in-store in minutes
• Options for nearly any retail category – from pets to power sports

With support in all 50 states and Puerto Rico, AFF is available nationwide.

FAQs

Is American First Finance a lender?

AFF itself is not a bank but partners with FinWise Bank to originate installment loans. It also services leases and installment sale agreements.

What can I finance with AFF?

You can use AFF for a wide range of purchases including appliances, electronics, tires, dental services, furniture, and auto repairs.

Does applying affect my credit?

Approval is possible without a credit score. However, AFF may still check your credit as part of the approval process.