American First Finance


How does the approval process work?

A simple application is filled out in our partners store or service provider’s office 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.

What are the requirements to qualify for the No Credit required program?

You must be 18 years or older, have a steady and re-occurring source of income of at least $500 per month and maintain an open, active and stable checking account.

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?


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.