Financing & Payment Plans - How it works

Payment options provided by Wells Fargo and American First Finance

We Offer The Following Payment Options

Wells Fargo Bank, NA

6
months
  • 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 $600 required.
  • Minimum finance amount of $300
9
months
  • No interest if paid in full within 9 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 $1000.
*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. Special terms for 6 months apply to qualifying purchases of $600 or more.  Special terms for 9 months apply to qualifying purchases of $2,000 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 7/1/2023 and is subject to change. For current information, call us at 1-800-431-5921.

American First Financing

Credit will be issued by American First Finance
  • Pay As You GO
  • No Credit Needed*
  • Approvals up to $5,000
  • Low, Affordable 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 will be checked. A lease, lease-to-own or rent-to-own program, or rental-purchase agreement has a processing fee or initial rent payment due upon execution of the lease of $59 plus tax. The Total Cost of Ownership must be paid in order to obtain ownership. The lessee will not own the property until the total amount necessary to acquire 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. Leasing available at participating locations where permitted by law. 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 $2,183.72, including the $1,000 cash price, plus applicable tax and fees. In this example, 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.