Shop now.
Pay later.
Ready for a fresh approach to creditworthiness? Snap can help.
Won’t affect your FICO® score to apply
Get it now with lease-to-own financing, an installment loan, or a retail installment contract
Get What You Need
Join over 20 million customers and shop no credit needed*
Lease-to-own your favorite products from your favorite retailers
No Credit Needed Payment Options^*
American First Finance partners with FinWise Bank to help provide no credit needed^ flexible payment options for eligible consumers across the US & Puerto Rico.
Our fast & easy online application gives you an approval decision in as soon as minutes so you can get peace of mind with the funding you need and stay ready for life at every turn.
EasyPay Benefits For Customers
Save Money
Our 90-Day Finance Charge Cap Promotion caps the amount of Finance Charges you will be required to pay at $40 if your full balance is paid during the first 90 days after your agreement begins, you make all scheduled payments within 30 days of when they are due, and you are not in default for any other reason. Conditions apply
No Down Payment
Make the purchases you need today with $0 down
No Surprises
Fully transparent contracts with no hidden fees
Enjoy Rewards, Not Penalties
You won’t be penalized for paying off your contract early
Cover Big Expenses
Get financing up to $5,000 for qualified borrowers
Lease What You Need, Love What You Get
Enjoy financial flexibility with Kafene’s affordable lease-to-own options for furniture, appliances, electronics, tires and wheels, and more. No credit? No problem.
Requirements for the above applications:
Photo ID.
Social Security Number or ITIN#
A debit card or credit card for the initial payment.
Checking account older than 1 year.
18 years and older.