American First Finance

American First Finance offers a simple application submitted for instant approval or denied. If additional information is required, we will deliver a response within 10 minutes from time it's submitted.


  • Steady, Recurring income of $800 per month.
  • Active Checking Account or Debit Card open for last 60 Days
  • Valid Debit Card Linked to Checking Account on Application
  • No more than 4 NSF's (charges for Non Sufficient Funds) in last 30 days.


If you meet these requirements you are pre-approved. Fill out the online application for a quick response. When you're done, be sure to visit our store with a Photo ID so you can pick out your furniture.


 Frequently Asked Questions

Will American First check my credit? Yes. American First 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 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. American First 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!

How do I get a hold of American First Finance? If you have further questions regarding financing or an existing account you can reach AFF at:

Phone 855-721-1188
Fax 877-353-8706
Mailing Address
P.O. Box 565848
Dallas, TX 75356