*Subject to approval and standard underwriting criteria. Approval is possible without a credit score, but credit will be checked. The transaction advertised is a consumer rental-purchase agreement. The processing fee due upon execution of the lease is $49.99 plus tax. The lessee will not own the property until the total amount necessary to acquire ownership is paid either by payment of the total of payments over the full term of the agreement or by prepayment as provided for by law. Ownership rights are not acquired by the consumer unless the Total Cost of Ownership is paid, and the merchandise is rented for the minimum initial term disclosed in the agreement as a specified number of payment periods. The total number of payments necessary to obtain ownership of the property ranges from 1 to 104 payments, depending on your agreement and payment frequency. The timing of scheduled payments may be weekly, bi-weekly, semi-monthly, or monthly depending on when you are paid. As an example, the Total Cost of Ownership for a couch that costs $1,000 could be $2,200.19, including the $1,000 cash price, plus applicable tax and fees. In this example, after the initial $49.99 payment plus tax, 52 full, timely payments of $41.35 plus sales tax per week over 12 months may be required for ownership. Acquiring ownership by leasing costs more than the retailer’s cash price. Late fees, NSF fees, and Liability Damage Waiver (LDW) fees may apply where permitted. Terms and conditions subject to change at any time without prior disclosure or notice.

†Testimonials appearing on this advertisement are received in various forms via a variety of submission methods. The testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary. American First Finance/AFF does not claim, nor should it be assumed, that any individual experience described is typical or representative of what other consumers might experience.

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To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855)721-1188.

This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institution Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504
To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website.
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