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Your Business Needs A Reliable No Credit Needed1 Financing Solution
And One That Gets You Up & Running in No Time 

Bank Program Closure Affects Thousands

Not long ago, many auto repair and tire shops like yours experienced a shift in the financial services landscape concerning their bank financing programs. And American First Finance (AFF) was there with a lifeline to help get many of those businesses back on solid ground.

But what about your business?

If you're one of the many auto repair or tire shops left without a bank program, AFF is here to help. Whether it's through a bank program through FinWise Bank, Member FDIC, or one of our other 50-state solutions, AFF helps keep customers shopping.

  • Strong 5-year relationship with FinWise Bank, Member FDIC
  • Payment solutions for all customers (not just those with pristine credit scores)
  • Compelling approval rates
  • Flexible payment plans
  • A Loyalty Program2 that lowers the rates on subsequent loans with good performance
  • A 20% increase in approval amount & pre-approval3 for qualified repeat customers.
  • Customers can make multiple transactions with their approval amount.

Image of a hispanic couple smiling next to a mechanic after being able to pay for their auto repair with a payment solution through American First Finance.

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 solutions to your customers. 
Lease-to-Own Icon

Lease-to-Own

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

Retail Installment Sales Agreement Icon

Retail Installment Sales Agreement

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

FinWise Bank Icon

FinWise Bank, Member FDIC

  • No credit needed1
  • Day-1 ownership
  • Loyalty Program2
  • Early Payoff Discount5
AFF Advantage Logo

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 companies like Bridgestone, Midas, Meineke, and others, 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
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 door
• 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 
• 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 door
• 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 
• 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

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 door
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
Icon representing business security
SECURITY
• 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
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American Freight Logo
Mor Furniture Logo
Midas Logo
Bridgestone Logo
Badcock and More Home Furniture Logo
AAMCO logo
Conn's Home Plus Logo
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Ashley Homestore Logo

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: (214) 444-2070

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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LendPro Logo
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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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