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Bank Program Closure Affects Thousands

There has been a recent shift in the financial services landscape concerning bank programs for merchants like yourself. If you are a merchant who relies on American First Finance (AFF) as your payment solution, there is nothing to worry about. For over five years, AFF has offered a bank program through FinWise Bank, Member FDIC, in service of merchants who are seeking payment options for all customers, not just those with favorable credit scores. Along with compelling approval rates and amounts, and payment plans for qualified applicants, FinWise offers a Loyalty Program2 that provides customers in good standing with lower APRs and a 20% increase on subsequent loans.
Not a merchant who offers payment options through AFF? AFF is here to help. With the busiest shopping time of the year nearly upon us, having payment options to offer your customers is critical to sales. Your business will not only survive any recent or pending changes, but grow with a program that delivers better results, more transparency, and overall satisfaction.

Moving Your Business Forward

It's no secret. In order to grow your business you need customers. AFF's no credit needed1 payment options view customers beyond their credit score, with a fast and easy application that can help them get what they need today. With access to credit-challenged customers approved through AFF, your business experiences sustainable and reliable growth.

We move businesses and customers forward and increase lifetime value by offering:

• Loyalty Program2

Customers can earn better rates with on-time payments & payoffs.
• More Buying Power
A 20% increase in approval amount & pre-approval3 for qualified repeat customers.
• Multiple Transactions
Customers can make multiple transactions with their approval amount.
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Innovative Tertiary Solutions That Give Buying Power to Underserved U.S. Customers

When your customers are turned down by your prime credit partner, our innovative solutions work to get those customers approved and complete the sale.
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 

Our unwavering commitment to the needs of your business and consistent regulatory compliance means you never have to worry about not being able to provide payment options to your customers. 
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Lease-to-Own

  • No credit needed1
  • Pay as you go
  • Longer terms - up to 24 months
  • Early Buyout Option4

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Retail Installment Sales Agreement

  • No credit needed1
  • Day-1 ownership
  • Early Payoff Discount5

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FinWise Bank, Member FDIC

  • No credit needed1
  • Day-1 ownership
  • Loyalty Program2
  • Early Payoff Discount5
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A FREE Marketing Program Exclusively for AFF Partners

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New Customer Growth

  • Automated campaigns
  • Testing & optimization
  • High engagement channels
  • Personalized marketing
  • Seasonal campaign boosts
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Repeat Customer Growth

  • Online leads
  • Pre-approvals
  • Organic traffic
  • Paid online outreach
  • Social engagement
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Lifetime Value Growth

  • Flexibility on unused approval amounts
  • Utilization campaigns
  • Conversion optimization
  • Funnel management
  • Omni-channel drivers

Strong National Merchant Relationships & Proven Track Record

Join the ranks of leading merchants who have already integrated with American First Finance as a preferred financial services provider to revolutionize the retail experience, drive customer loyalty, and fuel business expansion.

15,000+ merchant doors across 50 states, Washington, DC and Puerto Rico

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Performance That is Measurable & Reliable

GROWTH
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CAPACITY
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SECURITY
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• 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
In-house team of dedicated attorneys, compliance experts, & auditors
• 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?

Our dedicated Sales Team is ready to answer any questions you may have. Simply use one of the contact methods below and we'll be in touch soon.

Email: getmorecustomers@americanfirstfinance.com
Phone: 833.640.2322

Ready to Learn More?

A dedicated specialist is standing by ready to answer any questions you may have. 
Email: getmorecustomers@americanfirstfinance.com     Phone: 833.688.1951 

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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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

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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1No Credit Needed means that your customers may be approved without their credit score being the sole consideration for qualification; however, we may check their credit, including the credit score. New and Returning customers may be approved for $300-$7,500.

2This loyalty program is offered by FinWise Bank. The program provides loyal customers the opportunity to qualify for a lower rate. A rate reduction is valid on new loans only and cannot be applied to existing loans. The rate reduction is only applicable to customers with a prior loan open for at least 150 days, with all payments posted and cleared on time for the life of the loan, and the loan has been paid in full. Maximum of two (2) rate reductions per customer. Loans are originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Terms and conditions subject to change at any time without prior disclosure or notice.

3Customers must continue to meet pre-approval criteria at the time of application to be approved.

4Customers will save money if they pay the discounted amount during the Early Buyout Option (EBO) period. They must make payments larger than their regularly scheduled payments by the EBO expiration date. Customers should see contract for details.

5Customers will save money if they pay the discounted amount during the Early Payoff Discount (EPD) period. They must make payments larger than their regularly scheduled payments by the EPD expiration date. Customers should see contract for details.

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

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