American First Finance

American First Finance offers a fast and easy application process.


  • A minimum monthly income of $800
  • A valid debit card linked to the bank account on your application
  • Open and active bank or debit card account for at least 60 days


If you meet these requirements you can apply. 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