Finance and Leasing Options

Financing & Leasing Options!

Interested in our many financing/Leasing options?  Checkout our detailed page of how to apply, get approved, and shop our website with your financing below this short explanation video about how it works:

You can now shop on our site using Fast Checkout with the following Options!

Klarna

 

Slice it is an affordable and highly flexible financing option which is offered at the checkout of our online store. The open-end line of credit is issued by WebBank in partnership with Klarna, and it allows you to pay for your purchases over time.

It’s simple! Buy in any online store that uses Klarna and slice up your purchases over time, up to 24 Months! How much can you be approved for?  Klarna offers up to 10k in approval limits, but there is a credit check involved to get you there. Just choose the payment option that works best for you at checkout and accept the terms. You will know in seconds if you are approved, then complete your purchase. The order amount will be added to your monthly statement. Klarna will let you know once your statement is ready so you can make your payment. You will receive an email notification of your purchase from Klarna and you can manage your account at klarna.com.

To use this option, just put your items in your cart, head over to the checkout and after you’ve put in your contact information, go to payment methods and select Klarna Slice! You will be taken to a portal to apply, and once approved sent back to complete your checkout!  It’s that easy and quick...Now get Shopping!

SNAP Finance!

  • Easy & Fast Approvals with No Credit Needed!
  • Up to $3,000 in financing to spend online.
  • Checking Account, Valid License, and Employment are the main requirements.  Please insure you select Direct Deposit as it is a requirement for approval.
  • Click on the Picture above to Apply for Free with No Obligation for Pre-Approval before you shop.

Checkout by simply adding your items to the cart (include your promotional code if you have one) then select SNAP Finance as your payment method.  You will be directed to the SNAP site to apply, and after being approved, you will be directed back to our site to complete your checkout and sign your contract.


Progressive Leasing

 

Progressive Leasing is currently available across most of the USA and is a top tier lease to purchase companies in the industry. With a simple application and industry leading 30 second approval, they strive to provide some of the best customer service experience in the industry.

  • No Credit Needed
  • 90 Day Payment Option
  • Flat Initial Payment
  • Debit Card or Credit Card Needed for Initial Payment
  • Great customer service and support

Progressive needs accurate information to approve the application. If you encounter any difficulties with the application process, please immediately reach out to Progressive Leasing at (877) 898-1970 or contact us directly at (407) 846-8430 for further assistance.  Click on the image above to be Pre-Approved and shop online today!

To Learn More about Sezzle: Click Here

 

Synchrony: Car Care One

Car Care One, a Synchrony Financial Company, is a program to finance your car parts and installs while being able to use your credit at a network of companies. Synchrony's program requires a credit check, and is a program that offers 6 and 12 month interest free programs based on your purchase limit.

  • Credit Check Required
  • 6 and 12 Month Interest free periods
  • No Processing Fees
  • Rotating Credit Limit
  • available to use at a network of other businesses
  • Online payment and app support

Multiple transactions can be done on the Car Care One card based on your credit limit. Minimal payments will apply to your purchase during your 6 or 12 month interest free period. Great for larger purchases that would usually be difficult to afford up front. Already a Car Care One member? There is no need to apply again! Just call or email us with your account info.  Click on the image above to apply online for fast easy approval!

Paypal Credit

PayPal is already known industry wide as the largest Internet payment and banking solution.  The introduction of PayPal Credit has revolutionized micro finance by providing many individuals with credit that may not be approved by conventional methods.

  • 3, 6, and 12 month Interest free payment plans
  • Having a PayPal account is required
  • Having more than 1 checking/credit card linked to your PayPal account helps you're chances of approval
  • Easy flexible payment options
  • Great customer service and support

PayPal has stricter regulations for approval, however a credit line with them will allow you to spend you're balance anywhere PayPal is accepted.  Applying is easy, and usually requires only basic information. Click on the Image above for quick approval that will link your approved funds to your Paypal account for immediate use on our website.

APPLYING IS FAST AND EASY

You can apply here online or in the store directly. Most approvals take less than a minute. We require a minimum of $800 in monthly income, along with an active and stable bank account.

 CONVENIENT ACCOUNT MANAGEMENT!

Your payment dates will be set to match your employer's pay schedule. You can also create and account online to manage your payments or call our customer support team at 1-844-427-3497 We are happy to help!

 BUILD CREDIT!

American First Finance is partnered with the credit bureau Transunion to help customers build or establish credit. Your account history is reported monthly to ensure your timely payments help improve you credit profile.

Frequently Asked Questions and Answers

How does the approval process work?

A simple application is filled out in store or online and then submitted to our office for approval.  Many applications are approved instantly with the remaining applications answered within 10 minutes from the time a completed application is submitted.

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 not require good or any credit history to be approved with our No Credit Required program.

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

Yes

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.
 

Do you require credit?

No. As part of our verification process, we do check credit but we do check other data sources so that we can approve shoppers with no credit history at all.
 

What is required to apply?

There are requirements.
1) Active and Stable Bank Account with corresponding Debit Card or a Pre-Paid* Card Account that has Direct Deposit. All accounts must be open for more than 30 days with activity.
2) Debit Card
3) Minimum monthly deposits of $800 or more.

*Pre-Paid Accounts that are not accepted: (Comerica, Direct Express, American Express, Blue Bird, HR Block).

 

How is it determined whether I get approved or not?

Many customers are auto approved. Sometimes we will require a bank or pay card statement of activity for the last 30 days so we can confirm income. If needed, a co-applicant may be added to help determine approval.
 

How is my approval amount determined?

The approval amount is based on our ability to verify monthly net income and, if available, a credit score. It is not required to have a credit score to get approved.
 

How much will my payments be?

The estimated payment is based on the purchase price and payroll/direct deposits cycle. Once we put your application through, we can see the exact payment amounts and term.
 

Can I make a down-payment to lower the amount financed?

Yes. Any amount you put as a down payment will lower the total amount financed.

 

How much will I pay in total?

This really depends on when and how you pay. If you pay the total principal amount within 90 days, then you pay the retail price (plus all taxes and fees). If you pay in 6 months on a 12 month Contract, you pay the principal amount plus all accrued interest within the first 6 months. Once we finalize the Contract, you will be able to see an amortization table that will show you how much principal and interest you have paid with each payment.

 

How are my due dates determined?

Payments are scheduled based on your direct deposit dates or your pay period.

 

Can I make additional payments?

Yes. You will be setup for auto pay. If you want to make payments in addition to your auto pay, you can do this online or by phone. If you provide an email address with your application, you will be emailed a User ID and Login to access your account online here. There you may make additional payments. You can also call our toll free number at 1-855-721-1188 to make payments by phone.
 

 Is there a penalty for early payoff?

No. There is no penalty to pay off your Contract early.
 

The interest rate is high·

If you pay the principal amount in the first 90 days you pay zero interest.
·
After 90 days, if you pay off early, you only pay the interest up to the point of your pay off.
·
If you pay over the full term, consider the total dollars it will cost relative to other options like rent-to-own as an example. When considering the total dollars out of pocket, this plan can be substantially less compared to alternative plans.

 

The monthly payments are too high

This plan provides you with flexibility of paying weekly, bi-weekly, monthly or semi-monthly. Having payment frequency options, can help to reduce the payment to a more manageable amount based on when you get income.
 

I did not get approved for enough money to buy my Tires and Wheels

There may be a way around this. Approval rates can be modified with additional requirements. In some cases, complete banking information may be requested. Other cases require a co-applicant for an increase to an approval amount.
 

I want a different term than what is quoted

The term of the contract is driven from the total amount financed. It is possible to adjust for a higher payment and a shorter term if you are interested. We just need to communicate with the Support Center to see how they can help.
 

I don’t have a traditional bank account

If you have a pre-paid card with Direct Deposit we can submit your application. We would need the account number and routing number tied to your pre-paid card and a recent, corresponding statement that allows us to verify your monthly income. Unfortunately, the following pre-paid card accounts are not accepted: (Comerical, Direct Express, American Express, Blue Bird, HR Block).
 

I can’t have my first payment on this next Pay Date

Not to worry. By contacting the Support Center, we can have them adjust your first  pay date so long as it is within reason. Tell me what first payment date you would like and let’s see what we can do.

Checkout this video of some of our many happy Financing Approved Clients!