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Patients are necessary for your business to grow, especially in an uncertain economy.

Let us help you serve more of  them.

No Credit Needed Payment Solutions* from American First Finance (AFF)

Our innovative solutions won’t replace your existing payment solution. Instead, we work to approve the turndowns from your prime credit partner.

Innovative Tertiary Solutions That Provide Access to Underserved Patients

Partnering with AFF means you can provide more care to more patients more often. 
35
%
of consumers are considered to have a sub-prime credit rating.
22
%

have no credit score at all.

Source: https://review42.com/resources/how-many-people-have-bad-credit

Flexible & Compliant 50-State Coverage 

Which solution works best for you?
Lease-to-Own Icon

Lease-to-Own

  • No credit needed*
  • Available in 44 states
  • Pay as you go
  • Longer terms - up to 24 months

Retail Installment Sales Agreement Icon

Retail Installment Sales Agreement

  • No credit needed*
  • Available in 20 states
  • Day-1 ownership

FinWise Bank Icon

FinWise Bank

  • No credit needed*
  • Available in 34 states
  • Day-1 ownership

Strong National Merchant Relationships & Proven Track Record

Aspen Dental logo
Vizage Med Spa logo
Sapphira Prive Med Spa Logo
My Eye Lab Logo
SOMI Dental Group Logo
Emergency Dental Logo
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Performance That is Measurable & Reliable

GROWTH
White Icon representing business growth
CAPACITY
Icon representing business capacity
SECURITY
Icon representing business security
• High Approvals
A decisioning engine optimized for growth & built on proprietary data for your business
• Repeat Customers
More repeat business with pre-approvals & Data Science-driven marketing
• New Customers
Multi-channel marketing
campaigns to find, approve, & deliver to your business
• 50-State Solution
A seamless blend of products for nationwide coverage
• Enterprise Credit Facility
Scalable funds to serve the
increase in credit-challenged consumers
• Dedicated Support
A full-stack support team with coverage & expertise in all areas of our partnership
• Uptime Redundancy
Built right, so you can count on approvals when you need them most
• Compliance-Verified
More repeat business with
pre-approvals & Data Science-driven marketing
• Data Security
Keep you & your customers safe with world-class web & data protections

Performance That is Measurable &  Reliable

GROWTH
White Icon representing business growth
CAPACITY
Icon representing business capacity
SECURITY
Icon representing business security
• High Approvals
A decisioning engine optimized for growth & built on proprietary data for your business
• Repeat Customers
More repeat business with pre-approvals & Data Science-driven marketing
• New Customers
Multi-channel marketing
campaigns to find, approve, & deliver to your business
• 50-State Solution
A seamless blend of products for nationwide coverage
• Enterprise Credit Facility
Scalable funds to serve the
increase in credit-challenged consumers
• Dedicated Support
A full-stack support team with coverage & expertise in all areas of our partnership
• Uptime Redundancy
Built right, so you can count on approvals when you need them most
• Compliance-Verified
More repeat business with
pre-approvals & Data Science-driven marketing
• Data Security
Keep you & your customers safe with world-class web & data protections

Performance That is Measurable &  Reliable

White Icon representing business growth
GROWTH
• High Approvals
A decisioning engine optimized for growth & built on proprietary data for your business
• Repeat Customers
More repeat business with pre-approvals & Data Science-driven marketing
• New Customers
Multi-channel marketing
campaigns to find, approve, & deliver to your business
Icon representing business capacity
CAPACITY
• 50-State Solution
A seamless blend of products for nationwide coverage
• Enterprise Credit Facility
Scalable funds to serve the
increase in credit-challenged consumers
• Dedicated Support
A full-stack support team with coverage & expertise in all areas of our partnership
Icon representing business security
SECURITY
• Uptime Redundancy
Built right, so you can count on approvals when you need them most
• Compliance-Verified
More repeat business with
pre-approvals & Data Science-driven marketing
• Data Security
Keep you & your customers safe with world-class web & data protections

Ready to Learn More?

A dedicated specialist is standing by ready to answer any questions you may have. Email: growpatients@americanfirstfinance.com     Phone: 833.869.1255  

Easily Customizable Integrated & Non-Integrated Solutions

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Non-Integrated Solution

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AFF Partner Integrated Solutions

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Sweet Pay Logo
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Versatile Credit Logo
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Big Commerce Logo
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Unique Technology, Analytics & eComm Capabilities Create Multiple Application Pathways

Shop now, pay as you go - a seamless customer experience. 

  • Text-to-Apply & QR Codes
  • Primary Decline / Pre-qual (Desktop + Mobile)
  • Merchant Portal Enhanced Experience
  • Text, Email & In-Portal Applications

  • Merchant Website
  • Branded Landing Pages & Web Banners
  • “Shop Our Partners” Page (AFF Website)
  • Apply & Buy Online

AFF Advantage Logo

A FREE Marketing Program Exclusively for AFF Partners

Icon representing new customers

New Customer Growth

  • Automated campaigns
  • Testing & optimization
  • High engagement channels
  • Personalized marketing
  • Seasonal campaign boosts
Icon representing repeat customers

Repeat Customer Growth

  • Online leads
  • Pre-approvals
  • Organic traffic
  • Paid online outreach
  • Social engagement
Icon representing lifetime value growth

Lifetime Value Growth

  • Flexible Open-to-Buy
  • Utilization campaigns
  • Conversion optimization
  • Funnel management
  • Omni-channel drivers

Ready to get started?

Experience the benefits of partnership. No upfront costs, no strings, and no surprises. Click the button below to begin your merchant application.
Start Application

Still have questions?

No problem. We have answers. Just click the button below and type in your business email address.
Learn More
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*Approval is possible without a credit score, but credit may be checked. 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 subject to change at any time without prior disclosure or notice.

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American First Finance • PO Box 565848 • Dallas, TX 75356-5848 • | General Customer Service (866) 738-7083

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