Financing & Payment Plans - How it works

Please note that online applications are subject to stricter approval rules than applications processed in-store. If you are declined online, please apply in person.

We Offer The Following Payment Options

Wells Fargo Bank, NA

• No interest if paid in full within 6 months.
• Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*
• Minimum purchase of $300 required.
• Minimum finance amount of $300

• No interest if paid in full within 12 months.
• Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*
• Minimum purchase of $1,000 required.
• Minimum finance amount of $1000.

• No interest if paid in full within 18 months.
• Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*
• Minimum purchase of $2,000 required.
• Minimum finance amount of $2000.

*The American Furniture Warehouse credit card is issued by Wells Fargo Bank, N.A.

*The American Furniture Warehouse store credit card is issued by Wells Fargo Bank, N.A. Purchases can only be made by the account holder and can only be delivered to the address listed as the account holder's address. Special terms for 6 months apply to qualifying purchases of $300 or more. Special terms for 12 months apply to qualifying purchases of $1,000 with approved credit. Minimum monthly payments are required during the promotional (special term) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional (special terms) period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 2/7/2024 and is subject to change. For current information, call us at 1-800-431-5921.

American First Finance

• No Credit Needed*
• Approvals from $300 - $5,000*
• Low, Easy Payments
• 90-Day or 180-Day Early Buyout Option*

*Subject to approval and standard underwriting criteria. Approval is possible without a credit score, but credit may be checked. New and Returning Customers may be approved for $300 - $5,000. The transaction advertised is a lease. A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and a payment solution company, such as American First Finance (AFF). AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item is more than the retail cost. You can save money on leasing fees if you pay in full during the Early Buyout Option or pay more than the required amount for each scheduled payment. Terms and conditions subject to change at any time without prior disclosure or notice.