Financing

Flexible Lease-to-Own Financing — No Credit Needed to Apply

American First Finance offers a lease-to-own payment option designed for customers who may not qualify for traditional financing. Whether you have limited credit, no credit, or past credit challenges, you can still take home the furniture or mattress you need today and pay over time. The application takes just minutes, and approval decisions come quickly. You'll also have the option to pay off your lease early and save on fees. No credit is needed to apply — everyone deserves a home they're proud of.

Lease-to-Own Financing Built for Real Life

Kafene is a modern lease-to-own option that goes beyond your credit score to get you approved. Using a fast digital application, Kafene looks at the full picture to offer flexible payment plans on furniture and mattresses — even for customers with non-prime or limited credit. There are no loans, no hard credit checks, and no long-term obligations. If you ever need to cancel, you can do so without the burden of ongoing debt. Kafene also reports on-time payments to all three major credit bureaus, so shopping with us through Kafene can actually help you build your credit over time.