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 Shopping Power
A 20% increase in approval amount & pre-approval3 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
No credit needed1
Customers pay as they go
Longer terms - up to 24 months
Early Savings Options
Retail Installment Sales Agreement
No credit needed1
Customers pay as they go
Day-1 ownership
Early Savings Options
FinWise Bank, Member FDIC
No credit needed1
Day-1 ownership
Loyalty Program2
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
CAPACITY
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.
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.
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.
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American First Finance • PO Box 565848 • Dallas, TX 75356-5848 • | General Customer Service (866) 738-7083
