Financing Options

Promotional Financing Options Available In-Store and Online

Additional in-store payment options to meet your needs

Other Lending Options

Convenient monthly payment options available with a revolving line of credit or closed end financing. (Closed end plans have financing charges built into your fixed monthly payment and a set payoff date.)

Lease to Own

Apply for payment solutions through American First Finance:

• No Credit Required*
• Approvals from $300 - $7,500
• Save by completing your lease early
• Up to 24 months

Layaway Option

No credit needed and minimum monthly payment required. Must be paid in full after 120 days. 10% down payment required at time of purchase and a minimum 10% payment (on remaining balance total) is due every 30 days. Layaway is not allowed on special purchase or limited quantity items.

Please note: Our layaway option is the only option that does not require a credit check.

*Subject to approval and standard underwriting criteria. Approval is possible without a credit score, but credit may be checked. LEASE: A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late fees, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item is more than the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months. Late fees, non-sufficient funds fee, and Liability Damage Waiver fees may also be included where permitted.

We also accept: Cash, Personal Checks, Master Card, Visa, Discover Card, American Express

Details and Important Disclosures

¹  Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.