Turn browsers into customers?
Yes, you can.

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

Ready to sign up or want to learn more?

More sales starts here. Join 3,000 national 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.

First Name*

Last Name*

Email Address*

Company Name*

Corporate Address State*

Office Phone*

Industry*

Intent Level*

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From auto repair to dental care and more.

Consumers with less than perfect credit are actively looking for your product or service. Maybe they can't pay for it all at once, and don't want to experience the embarrassment of being turned down for traditional financing. AFF can help you grow your business with a payment option that turns these browsers into customers.

Strong approval rates.
Approvals from $300 - $7,500.¹
Customers can return for repeat business over the life of the active approval.
A 20% increase in approval amount & pre-approval³ for qualified repeat customers.
Online and in-store options with easy application process.
Customer savings with early buyout⁴ / payoff⁵ options.

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.

What can your customers get through AFF?

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.

of consumers are considered to have a sub-prime credit rating.

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

No credit needed¹
Pay as you go
Longer terms - up to 24 months
Early Savings Options

Retail Installment Sales Agreement

No credit needed¹
Day-1 ownership
Early Savings Options

FinWise Bank, Member FDIC

No credit needed¹
Day-1 ownership
Loyalty Program²
Early Savings Options

Take the next step towards reliable business growth.

Start Application

A FREE Marketing Program Exclusively for AFF Partners

New Customer Growth

Automated campaigns
Testing & optimization
High engagement channels
Personalized marketing
Seasonal campaign boosts

Repeat Customer Growth

Online leads
Pre-approvals
Organic traffic
Paid online outreach
Social engagement

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, Badcock, Aspen Dental, and others who have already integrated with AFF as a preferred payment solutions provider to revolutionize the retail experience, drive customer loyalty, and fuel business expansion.

20,000+ merchant doors across 50 states, Washington, DC and Puerto Rico

Image of a sales person establishing a successful business relationship with a team of merchants.

Build Customer Relationships That Last

2.5M

Customers since 2013

$1B+

Combined Customer Shopping Power

$256M

In Repeat Customer Transactions

$45M

Saved by Customers on Interest & Lease Payments in 2023

90%

Payoffs Occured Before Agreement Maturity Date

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 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

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 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

• 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

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

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

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

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 & Lease / Buy Online

Ready to get started?

Experience the benefits of working with AFF. 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

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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