Supercharge Sales

Supercharge Sales

Want to leverage mobile technology to supercharge your store sales? American First Finance has a mobile short application that works on any device.

Increase Efficiency

Increase Efficiency

With applications that are 50% shorter, the time to make a decision on applications is shorter too! Sales can be funded directly into your corporate bank account.

Cloud Storage

Kwik Dealer Portal

A Cloud based Dealer Portal can integrate into your shopping cart or stand alone for you to complete the sale.


A simple application is filled out in our dealer's store or service provider's office and then submitted to our office for approval.  Applications are approved instantly or denied. If additional information is required, we will deliver a response within 10 minutes from the time the completed information is submitted.


What are the requirements to qualify for the "No Credit Needed" program?

You must be 18 years or older, have a steady and re-occurring source of income of at least $800 per month and maintain an open, active and stable checking account. "No Credit Needed" does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check credit history and creditworthiness, but no established FICO score or credit history is necessary.


Can a customer use an ITIN?

Yes, an ITIN is an Individual Tax Identification Number issued by the federal government for non-citizens working and paying taxes in the US.


Does a customer have to have a job to apply?

No we accept different forms of income such as Social Security, Retirement, Pension and Self Employment.


What if a customer has bad credit or filed for Bankruptcy in the past?

They can still get approved. We do check credit. However, we do not require credit history in order to be approved.


Can a co-applicant and the applicant use the same checking account?



What is an ACH Authorization?

An ACH Authorization is your verbal or written instructions that allows us to electronically withdraw a specified amount or money from a bank account on an agreed upon day.


What is an Early Payoff Discount?

If you have a retail installment sale agreement, you can save money on interest when you pay off your full balance within the Early Payoff Discount period. In other words, paying off your full balance sooner can save you money. The “Prepayment” section of your agreement has the details regarding the amount you can save and how to obtain the discount. AFF’s representatives are also here for you to answer any questions.


Will Paying With Automatic Payments Pay Off My Balance in the Early Payoff Discount Period?

Not necessarily. Although using automatic payments to pay off your account is a good method to stay on track, the automatic payments only fulfill your minimum amount due during the respective payment period, as the payments are calculated using the entire term of your agreement (which can be up to 2 years). If the automatic payments were calculated using only the early discount period instead, your payments would need to be higher than your contractual payment amount.

In other words, taking advantage of the Early Payoff Discount means paying higher amounts than are required by the agreement in less time. This is why we reward our customers who pay during the Early Payoff Discount period with a discount. Paying your minimum payments on time (without additional payments) will pay off your agreement per your full agreement term, but not any sooner. Refer to your agreement for details and to see if your product has an Early Payoff Discount option.


What Early Payment Options Does AFF Offer for its Lease-to-Own Products?

AFF’s lease-to-own customers have two types of early payment options: 1) early buyout options; and 2) early purchase options. Each option is explained below.


What is an Early Buyout Option?

If you have a lease-to-own agreement, you can save money on leasing fees when you pay off your full balance within the early buyout period. By paying the cash price plus any applicable early buyout fee within the early buyout period, AFF will consider your account paid off in full. Your early buyout expiration date is disclosed on your agreement but you may also contact AFF and one of our representatives can provide that information to you. Any customer will pay less to exercise an early buyout option than he or she would to exercise an early purchase option. However, you must exercise an early buyout option within the early buyout period, while you may exercise an early purchase option at any time.


What is an Early Purchase Option?

If you have a lease-to-own agreement but were not able to pay off your account within the early buyout period, you can still save money on leasing fees when you pay off your full balance before the end of your agreement term. After the early buyout period has expired, you can exercise your early purchase option by paying a percentage of the lease remaining on the agreement. This amount will be calculated by AFF so all you have to do is contact AFF and one of our representatives can provide you with the balance owed.


What Is a Credit Check?

A typical credit check, also known as a credit history check, is when AFF or another company views your history of credit, other accounts, and credit score with a credit reporting agency, also known as a credit bureau. AFF checks credit to consider your financial history, including whether you've made payments on time.


Does AFF Check Credit?

Yes. When you apply for a product with AFF, AFF will check your credit using a hard credit inquiry (also known as a “hard credit pull”), which may affect your credit score. A hard inquiry occurs when a company with whom you’ve applied for credit reviews your credit report, history of applying for credit, payment history, and your credit score as part of their decision-making process. This type of inquiry appears on your credit report and can influence your credit score.

AFF may approve applicants with mediocre, poor, or even no credit, but we do check your credit as part of the application process. We invite you to apply with us no matter what your credit history is!


What is No Credit Needed?

No Credit Needed is different than “no credit check.” No Credit Needed means that we can approve you for financing or leasing without using your credit score as the sole consideration for qualification. We may check your credit, including your credit score, but the application process does not solely depend on your credit score for approval. AFF is a No Credit Needed company, not a “no credit check” company.