Stores that accept American First Finance

American First Finance (AFF) lets you lease furniture, mattresses, appliances, tires and more with no credit score needed, and own them after up to 24 months or sooner. Here are the US stores we have confirmed offer it online, what it costs and what to watch out for.

  • 77 stores confirmed
  • List checked Nov 11, 2026
  • US stores only

American First Finance at a glance

Cost
Up to 2x cash price or more

AFF says a lease may cost more than double the retail price. In its example, a $1,000 item costs $2,452.21 over 12 months.

Credit check
Soft and hard

AFF runs soft and hard credit checks, with no minimum score. Most accounts are reported to TransUnion and Clarity; new lease accounts since 2024 are not.

Approval
$300 to $5,000

AFF says approvals range from $300 to $5,000.

Fee at signing
About $50

AFF's lease example has a $50 processing fee plus tax at signing. Late, NSF and delivery fees can apply.

Plans

  • Lease-to-own, up to 24 months AFF buys the item and leases it to you. You own it after the last payment or an early buyout.
  • Early buyout Paying off early, typically within 90 or 101 days, costs the least. You have to pay more than your scheduled payments.
  • Loan or installment contract Some stores offer a FinWise Bank loan or a retail installment contract instead of a lease. APRs can be very high.

Checked Nov 11, 2026. Sources: How AFF works; AFF help center; AFF payment solutions FAQ; Massachusetts AG settlement

Watch out for

  • A lease is not a loan. Paying every payment can cost more than double the cash price.
  • The early buyout saves the most, but you must pay more than your scheduled payments. Autopay alone won't get you there.
  • “No credit needed” still means a credit check. AFF runs soft and hard checks.
  • Installment contracts can carry very high APRs (169.53% in AFF's own example), and there is no “same as cash” option.
  • In May 2026 Massachusetts settled with AFF for $7.8 million over barriers to its early buyout and ads that didn't make clear it was a lease.

How it works

  1. Find a store that offers AFF and apply on its financing page or at checkout.
  2. AFF checks your application, including your credit, and shows how much you can get.
  3. Pick your items, review the lease or loan and pay any fee at signing.
  4. Make your payments on your pay dates, or buy early to save.

Stores that take American First Finance

Each store was checked on its own website. The date shows when we last checked. Stores can stop offering American First Finance, so confirm at checkout.

All stores 77 stores

Showing 24 of 77

We checked 484 stores, from our earlier list and new research, and kept only the 77 where we could confirm American First Finance on the store’s own website or at its checkout (we stop before paying and never place orders). We checked online shopping; in-store financing can differ. Know a store we missed? Tell us.

Browse all stores by category

Each category page lists every store we have checked, with all the ways to pay there, not just American First Finance.

Questions people ask

Is American First Finance a loan?

Usually not. Most AFF offers are leases: AFF buys the item and you lease it until you own it. Some stores also offer a FinWise Bank loan or a retail installment contract, so check which one you are signing.

Does American First Finance check your credit?

Yes. AFF says it runs both soft and hard credit checks, though no minimum score is needed. If you reapply within 30 days it won't check again.

How much does American First Finance cost?

Leasing costs more than paying cash, and AFF says it may be more than double. In AFF's example a $1,000 item costs $2,452.21 over 12 months. The early buyout, typically within 90 or 101 days, costs the least.

How much can I get with American First Finance?

AFF says approvals range from $300 to $5,000.

CompareOther lease-to-own optionsSee how American First Finance compares with Acima, Progressive Leasing, Katapult, Snap Finance, Koalafi and more.

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