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Terms & Conditions
Retail Installment States: AZ, IL, KY, MO, NM, PA, SC, VA, WI
Service described is a retail installment contract. The down payment is $50. Subject to approval and verification.
Example:
The annual percentage rate (APR) generally ranges from 144% to 201%. For example, a qualified customer may receive a retail installment contract for an amount financed of $1,000.00 with an APR of 144.59%. In this example, the customer would pay a $50 down payment, finance the cash price of $1,000.00 (including applicable tax or delivery or warranty fees), and make 25 bi-weekly payments of $72.82 and 1 bi-weekly payment of $72.26. The total amount repayable would be $1,892.76 with full, timely payments. If a retail installment contract is extended to you, the payment period to repay the indebtedness may be weekly, bi-weekly, semi-monthly, or monthly, depending on the schedule by which you are paid. Your APR will be determined based upon your creditworthiness at the time of application. Your actual terms depend upon your credit score, amount financed, contract term, payment frequency, and credit usage and history. There is no prepayment penalty. All retail installment contracts have a minimum repayment term of 6 months or longer.
The Early Payoff Option allows customers to save money on finance charges through paying off the amount financed within 101 days plus the lesser of the finance charges accrued or $50, and applicable late and NSF fees.
Lease to Own States: AL, AR, CT, FL, GA, IA, IN, KS, LA, MD, MI, MS, NY, NC, OH, OK, RI, TN, TX, WV
Service described is a rental-purchase agreement in Alabama, a rental-purchase transaction in Arkansas, a lease-to-own program in Michigan, a lease-purchase agreement in Ohio, a lease in Rhode Island, and a rent-to-own program in West Virginia (referred to here as "agreement"). The processing fee or initial rent payment due is $50 plus tax. The total amount necessary to acquire ownership varies as it is determined by the cash price of the merchandise, applicable fees and tax, the frequency of payments, and the agreement term. The total number of payments necessary to acquire ownership of the property ranges from 1 to 104 payments, depending on your agreement. All remaining periodic payments may vary by your agreement and will be determined by the cash price of the merchandise, applicable fees and tax, the frequency of payments, and the agreement term. Charges payable by the lessee may include leasing fees, an Early Buyout Option fee, and applicable NSF fees, late fees, delivery fees, and tax, and optional loss damage waiver fees. A security deposit may also be required. The timing of scheduled payments depends on whether you are on a weekly, bi-weekly, semi-monthly, or monthly payment frequency. Rhode Island customers: if your lease liability at the end of the lease term is based on the anticipated residual value of the property, an extra charge may be imposed at the end of the lease term.
Subject to approval and verification. For details, visit www.americanfirstfinance.com.
Approval is possible without a FICO score, but American First Finance Inc. may check credit history. For details visit www.americanfirstfinance.com. "No Credit Needed" is different than "no credit check".
��� Bank loans: Subject to approval and underwriting criteria. Retail installment contracts: The transaction described is a retail installment contract and is subject to approval and verification. The down payment is $50. A representative example of payment terms is as follows: a $50 down payment, an amount financed (cash price) of $1,000 with an Annual Percentage Rate (APR) of 144.59%, and a term of 12 months would have 25 bi-weekly payments of $72.82 and 1 bi-weekly payment of $72.26. The total amount repayable would be $1,892.76 with full, timely payments over 12 months. Representative APR is based on the amount financed, individual creditworthiness, and other factors. Actual terms may vary. Leases: The transaction advertised is a lease, lease-to-own or rent-to-own program, or rental-purchase agreement. The processing fee or initial rent payment due upon execution of the lease is $50 plus tax. The total number of lease payments necessary to obtain ownership of the property ranges from 1 to 104 payments, depending on your agreement and payment frequency. The timing of scheduled payments may be weekly, bi-weekly, semi-monthly, or monthly depending on when you are paid. As an example, the Total Cost of Ownership for a couch that costs $1,000 could be $2,177.85, including the $1,000 cash price plus applicable tax and fees (e.g., leasing fees, Processing Fee or initial rental payment, and delivery fees). In this example, after the initial $50 payment plus tax, 52 full, timely payments of $40.86 per week over 12 months may be required for ownership. Late fees, NSF fees, and Liability Damage Waiver (LDW) fees may apply where permitted. Subject to approval and verification.