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LEASE-TO-OWN THE AUTOMOTIVE PRODUCTS YOU WANT!

Your affordable pathway to owning the products you want

BUYING NEW TIRES USING AMERICAN FIRST FINANCE

No Credit Required*
Higher Approval Amounts
Flexible Payment Schedule
Early Ownership Options

*Approval is possible without a FICO® Score, but credit history may be checked.

BENEFITS OF LEASE-TO-OWN
1
Higher Approval Amounts
2
No Credit Required
3
Early Ownership Options
WHY LEASE-TO-OWN?

A lease-to-own program allows you to make lease payments and gives you the option to own your rented products.

Lease-to-Own
Pay In Full
Affordable Payments
No Credit Required
Flexibility in Payments
No Hard Check Payment Plan
FAQs
As a lease-to-own customer, is there any way to own the merchandise? How much would it cost to own the merchandise?

Yes — in fact, there are three possible options to own the merchandise on your lease-to-own account. After the end of the initial term, you may take advantage of the Early Buyout Option within the first 90 or 101 days, depending on your agreement, or, after the Early Buyout Option Period has passed and prior to the end of your agreement, you may exercise the Early Purchase Option. Exercising either the Early Buyout Option or the Early Purchase Option will enable you to own the merchandise in your possession, instead of just rent it. You may also own the merchandise by paying to the end of your agreement term.

Here's an example of how much it would cost to own your lease-to-own merchandise through exercising the Early Buyout Option.

To own merchandise with a cash price of $1,000, you may exercise the Early Buyout Option by paying off in the first 90 or 101 days (depending on your agreement) the sum of the $1,000 cash price, plus sales tax, a Early Buyout Option fee, and other applicable fees (e.g., LDW fees, Late Fees, and NSF fees).

Refer to your agreement for the exact number of days of the Early Buyout Option Period and other important details.

Is there a “same as cash” option?

No. Products serviced by American First Finance are competitively priced. However, your product will cost more than the retail price or cash price since fees and charges apply in accordance with your agreement.

What is an Early Buyout Option on a lease-to-own account?

The Early Buyout Option is an option to own the merchandise through paying off in full the cash price of the merchandise, sales tax, any Early Buyout Option fee, and applicable fees (e.g., Late Fees, Liability Damage Waiver (LDW) fees if LDW coverage was selected, and NSF fees) within the first 90 or 101 days of your lease-to-own agreement. Your exact Early Buyout Option Period is provided in your agreement, but you may also contact American First Finance and one of our representatives can provide this information to you.

You are not obligated to exercise the Early Buyout Option—it's completely optional.