American First Finance Logo

Drive repeat sales into your shop?
Yes, you can.

Grow Your Business with Reliable Payment Solutions through
American First Finance (AFF). All Credit Welcome.

Grow Your Business with Reliable No-Credit-Needed1 Payment Solutions through American First Finance (AFF)
Start A Conversation

The Difference is Our "Why"

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

• Loyalty Program1

Customers can earn better rates with on-time payments & payoffs
• More Shopping Power

A 20% increase in approval amount & pre-approval2 for qualified repeat customers

• Multiple Transactions
Customers can make multiple transactions with their approval amount

Ready to sign up or want to learn more?

More sales starts here. Join 3,000 brands and give your customers more shopping power. Simply fill out the application form below and a representative will be in touch with next steps. 

Flexible & Compliant 50-State Coverage
Which solution works best for you?
Lease-to-Own Icon

Lease-to-Own

  • All credit welcome
  • Customers pay as they go
  • Longer terms - up to 24 months
  • Early Savings Options
Retail Installment Sales Agreement Icon

Retail Installment
Sales Agreement

  • All credit welcome
  • Customers pay as they go
  • Day-1 ownership
  • Early Savings Options
FinWise Bank Icon

FinWise Bank,
Member FDIC

  • All credit welcome
  • Day-1 ownership
  • Loyalty Program1
  • Early Savings Options

Your Shop Can Earn More, With Less Effort

  • 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

We provide customers with ways to easily:

  • Apply with Text-to-Apply, QR Codes, E-mail & Customer Portal
  • Find your shop locations in their area with “Shop Our Partners” page
  • Enjoy flexible terms and payment schedules

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 growth.

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

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
In-house team of dedicated attorneys, compliance experts, & auditors
• Data Security
Keep you & your customers safe with world-class web & data protections

Ready to get started?

Experience the benefits of the AFF merchant network. 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 we'll get back to you promptly.
Learn More
White American First Finance Logo

1This 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.

2Customers must continue to meet pre-approval criteria at the time of application to be approved.

This message is an advertisement.

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

Copyright © 2025 American First Finance All rights reserved.