Where YES Can Take You

No Credit Needed Payment Plans**

Fast & Easy Application

Quick Lending Decision†

How It Works

1. Apply Online or In-Store

Approvals are quick and easy* Apply in minutes and get your approval amount right on your phone

2. Go Shopping

Shop online or visit the store to select your items up to your approved amount. Show your approval at checkout, review your terms, and sign to complete your purchase.

3. Pay Overtime

Managing your payment schedule is easy with automatic payments.

Frequently asked questions

How long does it take for my credit report to be updated?

American First Finance reports all payment history details to select credit reporting agencies no less than once (1) per month.* This may take approximately 45 days to reflect on your credit report.
What credit bureaus does American First Finance report to?

We report to TransUnion, Clarity Services, Inc., and Data X, Ltd.*
What does “No Credit Needed^” mean?

“No Credit Needed”^ means that you may be approved for financing or leasing without a credit score or credit history. Applicants with poor, or even no credit, may be approved, but credit is checked as part of the application process. Your credit score is not the sole consideration for qualification. You are invited to apply, no matter what your credit history is.

 

^Approval is possible without a credit score, but credit history may be checked.
Can I still be approved if I have bad credit?

Yes, it’s possible to be approved, even with poor credit or no credit. American First Finance looks at several factors beyond credit score during the decisioning process.
How do I report incorrect information on my credit report?

If you believe that any information contained in your credit report is incomplete or inaccurate, an easy way to file your dispute is online through credit reporting agencies. You can visit their website or call them directly and include the following items in your dispute communication:

  • Clearly identify each item in your report you dispute.
  • State the facts and explain why you dispute the information.
  • Request deletion or correction.

*Approval is possible without a credit score, but credit will be checked.

†Decisions may take additional time and not be same day, including if more information is needed to complete an application.

*Subject to approval and standard underwriting criteria. Approval is possible without a credit score, but credit will be checked. The transaction advertised is a consumer rental-purchase agreement. The processing fee due upon execution of the lease is $49.99 plus tax. The lessee will not own the property until the total amount necessary to acquire ownership is paid either by payment of the total of payments over the full term of the agreement or by prepayment as provided for by law. Ownership rights are not acquired by the consumer unless the Total Cost of Ownership is paid, and the merchandise is rented for the minimum initial term disclosed in the agreement as a specified number of payment periods. The total number of payments necessary to obtain ownership of the property ranges from 1 to 104 payments, depending on your agreement and payment frequency. The timing of scheduled payments may be weekly, bi-weekly, semi-monthly, or monthly depending on when you are paid. As an example, the Total Cost of Ownership for a couch that costs $1,000 could be $2,200.19, including the $1,000 cash price, plus applicable tax and fees. In this example, after the initial $49.99 payment plus tax, 52 full, timely payments of $41.35 plus sales tax per week over 12 months may be required for ownership. Acquiring ownership by leasing costs more than the retailer’s cash price. Late fees, NSF fees, and Liability Damage Waiver (LDW) fees may apply where permitted. Terms and conditions subject to change at any time without prior disclosure or notice.

†Testimonials appearing on this advertisement are received in various forms via a variety of submission methods. The testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary. American First Finance/AFF does not claim, nor should it be assumed, that any individual experience described is typical or representative of what other consumers might experience.