Am First


Step One

Today, the market is saturated with an estimated 43 internet-based 12-month "Lease-To-Own" (LTO) programs. Many approve only 50% of the applicant’s income with a maximum of around $3,500. Most are 12-month terms with the same pricing models. Why get the same flavor of vanilla when customers are always looking for something better and more exciting? Use American First Finance as a competitive advantage that can impact your bottom line. American First Finance solves this problem by approving up to 120% of the applicant's income, up to $5,000.


Step Two - Payment Amounts

Most programs cap the term at 12 months which means that’s the maximum time you have to pay if you want to own. This can drive the payment up higher and make it less likely the customer will buy the higher ticket items they want and need. With American First Finance get up to 24 months.

"You Got the POWER" - The Power to Shop!

When we say “Buying POWER” at American First Finance, our program walks the walk. We mean it for customers and merchants. Not only do we provide high approval amounts but also longer terms with lower payments to drive the ideal purchases.

Up to 24 Months

Our programs only work if your customer can afford to make the payment. That’s why American First Finance goes up to 24 months. Compare our payments on a $3,000 purchase against the alternatives.

Awesome Approvals

“Show me the Money”. We approve up to $5,000. American First Finance approves more than 50% of the applicant's income, up to $5,000. We have consistently high approvals. Click here to see how we compare to other alternatives.

Unbanked or Under-Banked?

Not everyone uses a traditional bank these days. That’s why we accept some payroll and select prepaid cards as part of the application. Do we work with “unbanked” customers; meaning those that don’t have a traditional bank account? YES, WE DO!

Shop Again and Again

There’s no need to fill out a blank application from scratch every time. If your customer has been approved for $4,000 but only uses $2,000 on their first transaction; that leaves them with $2,000 plus anything they paid down on the first transaction as “ready to go” approval for another deal. American First Finance can run email campaigns to good payors to help you drive repeat business.

Same As Cash

We have a number of programs that offer true "Same As Cash" for the consumers to pay off their accounts with no penalties or extra costs. It is truly same as cash. Don't send customers away when they can, "Take it home today!"

Build That Credit

American First Finance’s customers making payments towards retail installment contracts get reported to Transunion. Customers can take advantage of this opportunity to build credit with one of the big bureaus while making payments over time. Take advantage of this opportunity for your retail location.

For more details, visit American First Financing.


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  • Jasper
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  • Auto Value
  • Auto Zone
  • Bbb
  • B&W Trailer Hitches
  • BG Products
  • Bosch Automotive
  • Cummins Diesel
  • Duramax Diesel
  • Fleet Services
  • Flowmaster
  • Ford Power Stroke Diesel
  • Handicap Accessible
  • iATN
  • Kids Play Area
  • Magnaflow
  • MACS
  • Motorcraft Parts
  • NAPA AutoCare Center
  • Pet Friendly
  • Radiator
  • Sinister Diesel
  • Valvoline
  • 12 Month Warranty
  • Welding
  • Wifi Available

Kuper's Automotive

635 Antelope Blvd
Red Bluff, CA 96080
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location small 530-526-0836
Email the Shop


Weekdays:   Monday thru Thurs 6:30 AM - 5:30 PM
Weekends: Closed Friday, Saturday, & Sunday

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