Payments Made Easy…Shop Now, Pay As You Go!
Apply with Ease. Apply with Speed.
You can apply here online or in the store directly, and receive a decision in as soon as minutes! We require a minimum of $800 net monthly income^, photo ID, SSN or ITIN, bank account and debit card.
^Net monthly income is defined as gross monthly income subtracting payroll deductions.
Making it Convenient to Manage Your Account
You can create an online account, set up auto payments, make a payment, or connect with customer support.
Pay on Time and Build Your Credit History
For All Products Except Arizona Rental-Purchase Agreements: AFF may report customer payment history to credit bureaus. On-time payments may build credit history.
*Subject to approval and standard underwriting criteria. Approval is possible without a credit score, but credit will be checked. The transaction advertised is a consumer rental-purchase, lease, lease-to-own, or rent-to-own agreement and has a processing fee or initial rent payment due upon execution of the lease of $39. The lessee will not own the property until the Total Cost of Ownership is paid either by payment of the total of payments over the full term of the agreement or by prepayment as provided for by law. Acquiring ownership by leasing costs more than the retailer’s cash price. Not available in CA, NJ, MN, PA, WI and WY.
The total number of lease payments necessary to obtain ownership of the property ranges from 1 to 104 payments, depending on your agreement and payment frequency. The timing of scheduled payments may be weekly, bi-weekly, semi-monthly, or monthly depending on when you are paid. As an example, the Total Cost of Ownership for a couch that costs $1,000 could be $2,163.72, including the $1,000 cash price, plus applicable tax and fees. In this example, after the initial $39 payment plus tax, 52 full, timely payments of $40.86 plus sales tax per week over 12 months may be required for ownership. Late fees, NSF fees, and Liability Damage Waiver (LDW) fees may apply where permitted. Terms and conditions subject to change at any time without prior disclosure or notice.