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Grow your business, even in an uncertain economy. 

FURNITURE/MATTRESS
WHEEL/TIRE

No Credit Needed payment solutions* from American First Finance (AFF) can help you grow your business. Even in uncertain times. 

Our No Credit Needed payment solutions* are designed to get credit-challenged customers approved, allowing more customers to buy from your store. More customers means your business can grow, even when facing an uncertain economy.
But what's different about AFF? What makes us unique?

The Difference is Our "Why"

We move businesses and customers forward, and increase lifetime value by offering:
• Loyalty Program
Customers can earn better rates with on-time payments & payoffs
• More Buying Power
A 20% increase in approval amount & pre-approval 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.

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

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
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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

Strong National Merchant Relationships & Proven Track Record

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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

Want to Learn More?

Photo of Matt Dishman, Head of National Sales at American First Finance
Matt Dishman, Head of National Sales, is ready to answer any questions you have.

Email: mdishman@americanfirstfinance.com
Phone: (281) 907-3511 

Ready to Learn More?

A dedicated specialist is standing by ready to answer any questions you may have. Email: growcustomers@americanfirstfinance.com     Phone: 833.869.1258  

Easily Integrated with a Variety of Platforms & Plugins

Customizable to fit your exact needs.
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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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*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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