American First Finance

A returning customer is worth 5-10x a new one. So why do most lease-to-own programs treat them like strangers? Here’s a situation merchants tell us about all the time: A customer leases a sofa, completes their agreement, then comes back months later for a mattress or another need — only to go through the entire process again. That can create frustration for both the customer and the store. American First Finance (AFF) was designed to make the repeat-customer experience feel simpler and more familiar. When customers who’ve used AFF before walk back in, they may: • Often already be pre-approved • Qualify for higher approval amounts • Move through checkout more quickly For merchants in repeat-purchase categories like furniture, tires, electronics, and mattresses, that kind of experience can help turn a one-time customer into a long-term relationship—increasing customer lifetime value. Learn more: https://myaff.us/42j0kwzj #CustomerLifetimeValue #Retail #MerchantFinancing #LeaseToOwn #AmericanFirstFinance

“How do I close more sales with credit-challenged customers?” It’s one of the most common questions merchants are asking. Here are 3 things that can help: 1.   Offer a second-look financing layer. If your only option is prime credit, you’re walking away from the majority of applicants who don’t qualify.  2.   Keep the point-of-sale process simple and comfortable. Customers shouldn’t feel embarrassed or overwhelmed during checkout. A single soft-pull application that returns multiple offers based on the customer’s credit profile can help create a smooth experience.  3.   Pre-qualify customers before they commit. Letting customers know their approval amount before they shop drives higher tickets and fewer abandoned carts. This is the approach American First Finance (AFF) was designed to support. 12,000+ merchant partners. 26 verticals. Multiple product options based on your needs. Explore what an AFF setup could look like for you→ https://myaff.us/3pq4k5j8 #SalesEnablement #RetailSales #MerchantFinancing #Fintech #B2B #AmericanFirstFinance

Comparing lease-to-own providers? Not all “no credit needed” programs are the same. Before you sign a merchant agreement, ask a provider these 5 questions: 1.   Do you support lease-to-own AND a financing/loan product? 2.   What’s the repeat-customer experience — pre-approval and higher amounts, or do they reapply from scratch? 3.   Do you support in-store, online, in-cart, and mobile under one workflow? 4.   How many verticals do you actively serve — and is mine one of them? 5.   Who’s the parent company — and what does their financial backing look like? Most providers can answer “Yes” to one or two. American First Finance (AFF) answers yes to each. If your current provider can’t, that’s worth a conversation. AFF prides itself on offering All Credit Welcome payment solutions that suit you and your customers’ needs. Learn how you can increase sales → https://myaff.us/3pq4k5j8 #MerchantFinancing #LeaseToOwn #RetailTech #SmallBusinessGrowth #AmericanFirstFinance

Trying to support more customers with the right payment solution? That’s where understanding the differences between lease-to-own, retail installment, and bank-issued loan programs matter. American First Finance (AFF) offers these multiple payment solution types designed to fit different business models, industries, state requirements, and customer needs: • Lease-to-own — customers lease merchandise with the option to own over time • Retail installment solutions — customers purchase the merchandise through scheduled payments • Bank-issued loan programs — financing options offered through a bank partner Rather than taking a one-size-fits-all approach, AFF helps businesses determine the right solution for their location and customer base.   No matter where you do business, AFF helps merchants support customers who may not qualify through traditional financing — including many customers who are often overlooked. And for your business, the process can be part of your current waterfall setup or go directly to AFF, so the approach is designed to help customers move through the application experience effortlessly. Complete the form to get started → https://myaff.us/kn7o0y26 #MerchantFinancing #LeaseToOwn #RetailTech #SmallBusinessGrowth #AmericanFirstFinance

60–70% of credit applications submitted at the point of sale are declined by prime lenders. Where do those customers go? Usually — out your door. A “no” from your primary lender doesn’t have to mean a lost sale. Merchants who are quietly growing through a slower economy are offering a second-look financing waterfall—helping more credit-challenged customers move forward with what they need. That’s where American First Finance fits We support a wider range of customer credit profiles — across industries including furniture, auto repair, dental, and more—with lease, installment, and bank-loan products. Here are results that merchants are seeing: • A measurable lift in close rate • Shorter time-to-decision at checkout • Repeat customers coming back because they were treated well, not turned away If you’ve ever watched a customer leave because of a credit decision you couldn’t control, this is where offering another payment solution can help. See how it works → https://myaff.us/x3ibjlt8 #RetailFinance #MerchantServices #LeaseToOwn #SmallBusiness #Fintech #AmericanFirstFinance

Financing is top of mind across the furniture industry. As consumers seek more flexible ways to make big-ticket purchases, financing has become a key driver of conversion, customer experience, and growth for retailers. Financing isn't just a payment option anymore—it's a competitive advantage. [furnituretoday.com], [wegetfinancing.com] We'll be discussing these trends and more at the Las Vegas Market this July. Stay tuned for insights on what's next in consumer financing, retail innovation, and helping furniture retailers turn more shoppers into buyers. [furnituretoday.com], [hilcoglobal.com] Attending Las Vegas Market? Connect with the American First Finance team—we'd love to welcome you to Yesville and show you what's possible when more customers hear "yes." Michael Olson, Miranda Meier, Hasaan Bowers, + Jodi Khan #LasVegasMarket #FurnitureIndustry #ConsumerFinancing #RetailInnovation #AmericanFirstFinance #Yesville #RetailGrowth #HomeFurnishings

The percentage of pet owners in the U.S. spiked over the past 35 years, according to pet owner statistics analyzed by Forbes Advisor. While the love of a pet is priceless, the cost of owning one is not. Stop by booth 512 to learn how American First Finance can help more families say “yes” to wagging tails. 🐕🐈 Daniel Rojas + Wayne Matthews #Petland #PetRetail #AmericanFirstFinance #Yesville

🐾✈️ We're headed to Orlando! The American First Finance team is excited to attend the Petland Trade Show at Disney's Yacht & Beach Club Resort. We'll be connecting with Petland franchise owners and industry leaders to discuss how flexible payment solutions can help create great customer experiences and welcome more customers to Yesville. 📍 Stop by and see us at Booth 512. We look forward to seeing everyone in Orlando! 🐶🌴 Daniel Rojas, Wayne Matthews #AmericanFirstFinance #Yesville #Petland #PetlandTradeShow #PetRetail #RetailFinance #FranchiseGrowth

When customers have the right payment options, important purchases don’t have to wait. American First Finance helps merchants provide flexible solutions that allow customers to move forward with confidence. The result: ✔ More approvals ✔ More completed purchases ✔ More satisfied customers Helping merchants grow through better payment flexibility when offering shop now, pay later options. https://myaff.us/z0opd5fp

 $1,400. That's a typical out-the-door number for a set of tires, alignment, and TPMS service today. It's also the number where a lot of tickets quietly die at the counter — not because the customer doesn't want the right tire, but because "not on this card, not today" gets in the way. Payment friction is one of the top reasons mid-ticket auto service quotes don't convert. And in a market where EVs are reshaping fitment, SKUs are multiplying, and consumers are paying closer attention to total cost of ownership, the shops winning are the ones offering more than one way to say yes. We wrote about what's actually changing in tire retail — and what dealers are doing about it — for Tire Review. Read it here: https://myaff.us/qund0nnm #TireDealers #AutomotiveRetail #ConsumerFinance #AmericanFirstFinance #TireReview