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Easy financing with American First Finance, $50 Down Today!

Frequently Asked Questions


A: AMERICAN FIRST FINANCE is a Banking Institution Offering the opportunity for one to purchase with us today by offering a bank-loan product. 

If approved you will be given a credit limit, and you only pay $50 down-payment today and have 101-days to pay the remaining balance. Early Payoff Discount options are available should you need extend longer. 


Q: What do you currently offer AMERICAN FIRST FINANCE on?

A: All orders over $250+ qualify to be financed with our AMERICAN FIRST FINANCE option

Q: What are the requirements to qualify?

A:  To qualify you must:

  1. Have an state ID or DL
  2. Be 18+ and have an ACTIVE CHECKING ACCOUNT
  3. Please note: Prepaid/Fintech banks are NOT accepted examples such as Chime Bank, NoVo, NetSpend, DirectXpress, CashApp, etc..are NOT accepted. 
  4. Receive at minimum $1,000+ month in deposits. (Any income from jobs, self-employment, benefits...All of that qualifies toward the deposit requirements).
  5. This is a PERSONAL loan agreement, Business EIN's, Checking Accounts CANNOT be used for this application

Q: How do you apply for AMERICAN FIRST FINANCE? 

A: Click the banner-link above and it will redirect you to complete our finance application. Once approved comeback and submit your order with the payment status "Approved for AFF Finance" at checkout. Or click-here

Q: Do you pull credit?

A: Yes, a Hard-inquiry is done, However your approval does not reflect based on your Credit-Score...And the inquiry DOES NOT come from Experian, Transunion or Equifax. Instead it is pulled from another smaller bureau.

If your in Bankruptcy Proceedings it is ok. However you must NOT have any active credit-freezes at the time of applying, since an inquiry utilizing your SSN will be ran. 

Q: What is the turn-around time on approvals?

A: If done online, A decision is made in real-time unless requires further investigation from underwriting. 

We assist with processing AFF-Applications daily Monday thru Friday 9am to 6pm CST.

If you would like to expedite your application. Call our office and ask to speak with Daniel or Gabby - AMERICAN FIRST FINANCE Specialist 

Q: What are the down payments and bi-weekly payments?

A: The down payments once approved is $50.00, you can pay more upfront if you'd like...However it is NOT required. The payment frequency depends upon your paydates, It will be outlined in the finance agreement prior to signing. 

Q: What is the cost to finance via AMERICAN FIRST FINANCE?

A: Financing via AMERICAN FIRST FINANCE is simple. And the fee's are simple. The initial $50 is considered a "Down Payment" going towards the balance of your loan, Then you have 101-days to payoff the balance and only incur a 5% Loan Origination (buyout cost) per say. The cost of ownership vary depending upon how-long you take to payoff your items, If longer then the 101-days they do offer Early Payoff Discount Options

Want to save? Pay-Off the 101-day mark or before. 

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Legal Disclaimer: 

Work At-Home Equipment Solutions LLC is not a lender, or financial institution. We do not offer set rates or are market-regulated. We are simply a merchant-approved to offer AMERICAN FIRST FINANCE a fin-tech product. 

The bank installment loan advertised is originated by FinWise Bank, a
Utah-chartered bank located in Murray, Utah, Member FDIC.

No Credit Required
i. Subject to approval and verification. Approval is possible without a FICO® Score, but credit may be checked.

b. Early Payoff Discount Option available
i. You can save money on interest when you pay off the full balance within the Early Payoff Discount Period. See contract for details.