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  • 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.

  • Does American First Finance check credit?

Yes, unless you have already applied through American First Finance within the past 30 days. When you apply for a product, American First Finance may check your credit using a hard credit inquiry (also known as a “hard credit pull”), which may influence your credit score. A hard inquiry occurs when a company with whom you have applied reviews your credit report, history of applying for credit, payment history, and credit score as part of their decision-making process.

  • What is a credit check?

A typical credit check is when American First Finance or another company views your history of credit, other accounts, and credit score with a consumer reporting agency, also known as a credit bureau.

  • My credit score is lower than I expected.

There could be multiple factors impacting your credit score, some of which may be entirely unrelated to activity through American First Finance. American First Finance reports account information accurately to the credit reporting agencies and is not a credit reporting agency itself. For more information, please contact the involved credit reporting agency directly.