Our Financial Partners
We proudly offer a variety of flexible financing options to help our customers get what they need—no matter their credit situation. With American First Finance and Acima, customers can take advantage of no credit needed financing, offering fast approvals and easy payment plans designed for convenience and flexibility. These lease-to-own and installment options are ideal for those with little or no credit history. For customers with established credit, First Franklin Financial provides a more traditional loan option with lower interest rates, better terms, and more affordable monthly payments. By partnering with trusted financial providers, we make it easier for everyone to shop with confidence and find a payment plan that fits their budget.
Acima
The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit or financing. While no credit history is required, Acima obtains information from consumer reporting agencies in connection with a lease application. Acima will consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history. Acima Cash Price includes a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in MN, NJ, WI, or WY. Merchant participating locations only. See lease for details. Not all applicants are approved.
†“Get Approved to Lease up to $5,000 in Merchandise” refers to maximum amount Acima Leasing will spend to acquire goods from a retailer for lease to you. Maximum amount may require in-store application ; approval and amount subject to review and verification of your application. Not all applicants are approved.
‡Acima Classic Credit™ Mastercard® and Acima Private Credit™ are private label revolving line of credit products issued by The Bank of Missouri and serviced by Concora® Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval. The Bank of Missouri and Concora® Credit Inc. are not affiliated with Acima Digital, or its affiliates.
^"Start a Lease for $10" refers to and applies to the rental period from agreement start date to first scheduled renewal payment. On your first renewal date, regular lease payment amounts, taxes, Benefits Plus (if selected) and Loss-Damage Waiver (if selected) fees will apply. Lease renewal payment amount, period to ownership, and total cost vary by item selected. This promotion is not a promotion for a specific transaction or item. Please see your lease for payment amounts and rental terms. Offer valid on new agreements only and cannot be combined with any other promotion. Offer will not reduce number of payments, total amount necessary to acquire ownership, or purchase option amount. Customers in California will pay $10 processing fee to start and $0 of the initial payment will be applied as rent.
*Acima offers lease-to-own transactions. "The No Credit Option", "All Without Credit" or "Shop Without Using Credit" means this is not a loan, credit, or financing. Acima obtains information from consumer reporting agencies during a lease application. We consider multiple data points and regularly approve customers with less than perfect credit history. Acima Cash Price may include a mark up over invoice price. Acquiring ownership by leasing costs more than the retailer's cash price. To purchase early or cancel call (801) 297‑1980 or go to customer.acima.com. Not available in MN, NJ, WI, or WY. Not all applicants are approved.
**Standard agreement offers 12 months to ownership if you choose to make each lease renewal payment, which may cost more than double the cash price. You are not automatically enrolled in any early purchase options and additional payments will be required to purchase early. To purchase early or cancel call (801) 297-1980 or go to customer.acima.com. Refer to your lease for specific terms and conditions.
American First Finance
1 Application Terms: Your application, including the amount, cost, and approval, is subject to review and is not guaranteed. Applications are reviewed based on data you provide and one or more of the following: identity verification, bank verification, information from a third-party, a credit reporting agency, and/or prior experience through American First Finance (AFF).
Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.
Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.
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, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double 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.
2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.
3 Decisioning may take additional time and not be same day. Additional information may be required.
4 This loyalty program is offered by FinWise Bank. The program provides loyal customers the opportunity to qualify for a lower rate. A rate reduction is valid on new loans only and cannot be applied to existing loans. The rate reduction is only applicable to customers with a prior loan open for at least 150 days, with all payments posted and cleared on time for the life of the loan, and the loan has been paid in full. Maximum of two (2) rate reductions per customer. Loans are originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Terms and conditions subject to change at any time without prior disclosure or notice.
5 Approval is possible without a credit score, but credit may be checked.
6 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.
To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.
Bank Loan: A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by AFF. The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.
Retail Installment Sale Agreement: A retail installment agreement is not a loan. You may enter into a Retail Installment Sale Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.
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, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double 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.
2 You will save money on interest, finance charges, or leasing fees when you pay the discounted amount during the Early Payoff Discount (EPD) period or by exercising the Early Buyout Option (EBO). You must make payments larger than your regularly scheduled payments by the EPD/EBO expiration date. You will make additional payments through the customer portal or by contacting the customer service team.
3 Decisioning may take additional time and not be same day. Additional information may be required.
4 This loyalty program is offered by FinWise Bank. The program provides loyal customers the opportunity to qualify for a lower rate. A rate reduction is valid on new loans only and cannot be applied to existing loans. The rate reduction is only applicable to customers with a prior loan open for at least 150 days, with all payments posted and cleared on time for the life of the loan, and the loan has been paid in full. Maximum of two (2) rate reductions per customer. Loans are originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Terms and conditions subject to change at any time without prior disclosure or notice.
5 Approval is possible without a credit score, but credit may be checked.
6 Testimonials reflect the real-life experiences of customers who used our products and/or services. Individual results may vary.
To report a problem or complaint with this lender, you may write info@americanfirstfinance.com or call customer service at (855) 721-1188.
1st Franklin Financial
First Franklin Financial is a trusted consumer finance company that has been serving communities since 1941. With a long-standing history of helping individuals and families manage life’s financial challenges, First Franklin offers personal loan solutions designed to meet a wide range of needs—from unexpected expenses to planned purchases. The company is known for its reliable service, transparent loan process, and commitment to responsible lending.
Unlike no-credit-needed options, First Franklin Financial performs a credit check, allowing qualified borrowers to access lower interest rates, better terms, and more affordable monthly payments. This approach helps customers secure smarter financing that fits their budgets without the high fees or rigid terms often associated with alternative lenders. The focus is on providing value and flexibility to those who are building or maintaining strong credit.
Businesses that partner with First Franklin Financial can confidently offer their customers a financing option backed by professionalism, integrity, and decades of experience. With a network of convenient branch locations and a customer-first approach, First Franklin Financial remains a dependable choice for affordable and trustworthy lending.