Financing
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*Subject to approval. Rates, terms, and products may vary by location.
American Freight plans And More Available on in Store Purchases.
Requires a visit to your local store.
Refers to options offered to customers to purchase and take home merchandise paid in full by cash, check (subject to check payment policy) or credit card, or through a variety of alternative payment options, subject to in-store product availability.
Take it home for $50*
*$50 Offer: Subject to approval and standard underwriting criteria. Products may vary by location. Terms and conditions subject to change without prior disclosure or notice.
Products, rates and terms may vary by location. Your application is subject to review, approval is not guaranteed. You may choose to take an in-stock item today, schedule delivery, or complete a service and pay over time. The total number of payments is based on your agreement and pay frequency.
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 AFF purchases the item(s) from the 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 fees, non-sufficient funds fee, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item may be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF.
An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $50 (plus tax) processing fee, you will have 52 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2,452.21 with full, timely payments over 12 months. Late fees, non-sufficient funds fee, and Liability Damage Waiver fees may also be included where permitted.
Take it Home for as little as $0*
*As Little As $0 Down Offer: Subject to underwriting approval, down payment ranges from $0 to $200 on approvals from $300 - $5,000. Annual Percentage Rate (APR) ranges from 160% to 180% and terms range from 6 to 24 months. This Offer is not available for Lease.
Let’s talk options
Products, rates, and terms may vary by location. Your application is subject to review, approval is not guaranteed. You may choose to take an in-stock item today, schedule delivery, or complete a service and pay over time. The total number of payments is based on your agreement and pay frequency.
Bank Loan
A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and sub-serviced by American First Finance (AFF). The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan for returning customers is funded directly to your checking account for personal, family or household use.
Retail Installment Agreement
A retail installment agreement is not a loan. You may enter into a Retail Installment Agreement with the merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. An example of a retail installment transaction based on a 12-month term with 26 biweekly payments: if you make a purchase of $1,000 and make a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you will have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable will be $1,944.81 with full, timely payments over 12 months.
Take it home for $10*
*$10 Offer: Subject to approval and standard underwriting criteria. Visit AmericanFreight.com for more information. Terms and conditions subject to change at any time without prior disclosure or notice.
This agreement is a rental-purchase agreement. It is not a loan or credit transaction. With a lease, you select the item(s) and American First Finance (AFF) purchases the item(s) from the 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 fees, non-sufficient funds fee, and delivery fee. As a result, the total amount you pay for leasing an item maybe be more than double the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of a 12-month lease with weekly payments: if you lease a $1,000 item and pay a $10 (plus tax) processing fee, you will have 51 additional weekly rental payments of $46.11 to complete your lease. Your total lease payments will be $2361.61 with full, timely payments over 12 months. Late fees, non-sufficient funds fee, and delivery fee may also be included.
Frequently asked questions
What types of payment plans does American Freight offer?
We offer multiple flexible payment options so you can take home your furniture or mattress sooner. These include:
- Cash, check, or credit card (pay in full)
- Bank installment loans (financed through an external lender)
- Lease / rent-to-own plans
- Retail installment agreements
- 0% APR / special financing offers
(Availability depends on state, product, and credit approval.)
What is a bank loan (installment loan) at American Freight?
A bank installment loan is a standard consumer loan. At American Freight:
- The loan is originated by FinWise Bank, Member FDIC.
- The bank may pay the merchant directly or fund your checking account (depending on circumstances).
- You repay in fixed installments (monthly, biweekly, etc.).
- Interest (APR) and term are set at approval, based on creditworthiness.
How does the lease (rent-to-own) option at American Freight work?
Leasing (also called lease-to-own, rental-purchase, rent-to-own) works differently than a loan:
- American Freight partners with a payment company (e.g. American First Finance) that purchases the merchandise and rents it to you.
- You make scheduled payments (weekly, biweekly, monthly) over a lease term.
- You don’t own the product until all lease payments (plus fees) are fulfilled.
- Some costs may be higher overall (because of lease fees, late fees, etc.).
- You may cancel the lease early (depending on the contract) but check terms carefully.
Example (from site): Leasing a $1,000 couch over 12 months — initial fee + weekly payments — may total ~$2,452.21 in full.
Is a retail installment agreement the same as a loan?
Short answer: No — it’s a different legal instrument.
- A retail installment agreement lets you purchase the product from the merchant and pay over time (with interest).
- AFF (or similar) may purchase that agreement from the merchant.
- While functionally similar to a loan (you pay over time), it’s structured differently in legal/contract terms.
Example: If you finance $1,000 with a 12-month retail installment agreement at a high APR, your biweekly payments may total a much higher repayment amount.
What is the 0% APR & special financing offer?
- 0% APR / special financing typically requires a minimum purchase (e.g., $50).
- Terms vary by product type, state, and your credit approval.
- Down payment may be required.
- APRs for non-0% offers range from 0.00% to as high as ~34.99%, depending on credit, loan amount, term.
- Example: At 21.99% APR with 60 monthly payments, $1,000 might cost $27.61/mo.
- These special offers are subject to approval and can change.
What happens if I miss a payment (late or default)?
Missing or delaying payments can trigger several consequences:
- Late fees or insufficient funds fees (if your payment fails) may apply — depending on your contract.
- In lease / rental-purchase arrangements, nonpayment may risk forfeiture or repossession, per the lease terms.
- In installment loans / retail agreements, missing payments can lead to penalties, additional interest, negative credit reporting, or legal remedies, depending on the agreement.
- Always read your contract — many agreements allow for grace periods, cure periods, and notice before default.
- If you’re struggling to make payment, contact the financing servicer immediately to negotiate or find a workaround.