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Stop Into Your Local American Freight

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Take Your Furniture & Mattresses Home Today!

American Freight Stores are now offering a new way to pay! Take your furniture home now with low, easy payments.

*$50 processing fee or initial lease payment may apply. Opportunity not available in Minnesota or New Jersey.

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Why wait for what you want?
Take your furniture home today.

American Freight Stores are now offering a new way to pay!

*$50 processing fee or initial lease payment may apply. Opportunity not available in Minnesota or New Jersey.

No credit needed - bring your furniture home now, with low easy payments.*

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Provided by American First Finance.

 

Take it home TODAY for

$50

Plus 101 Days Early Payoff Option for Retail Installment Contracts

with low easy payments.

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Provided by American First Finance.

 

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Minnesota Customers Click Here For An Additional Option

Retail Installment States: AZ, IL, KY, MO, NM, PA, SC, VA, WI

Service described is a retail installment contract. The down payment is $50. Subject to approval and verification.

Lease to Own States: AL, AR, CT, FL, GA, IA, IN, KS, LA, MD, MI, MS, NY, NC, OH, OK, RI, TN, TX, WV

Service described is a rental-purchase agreement in Alabama, a rental-purchase transaction in Arkansas, a lease-to-own program in Michigan and Rhode Island, a lease-purchase agreement in Ohio, and a rent-to-own program in West Virginia (referred to here as “agreement”). The processing fee or initial rent payment due at the start of the agreement is $50 plus tax. A security deposit and delivery fee may also be required.

All remaining payments depend on your agreement and will be determined by the cash price of the merchandise, applicable fees and tax, the frequency of payments, and the agreement term. The total number of payments necessary to obtain ownership of the property that is the subject of the agreement ranges from 1 to 104 payments and depends on your agreement. The timing of scheduled payments depends on whether you are on a weekly, bi-weekly, semi-monthly, or monthly payment frequency. If your liability at the end of the agreement term is based on the anticipated residual value of the property, an extra charge may be imposed at the end of the term.

Subject to approval and verification. For details, visit www.americanfirstfinance.com.

Terms & Conditions

The annual percentage rate (APR) ranges from 74.05% to 199.84%. For example, you could receive a retail installment contract for an amount financed of $1,352.04 with an APR of 144.34%. In this example, you would receive the cash price of $1,297.00 (plus applicable tax or delivery or warranty fees) and make 17 monthly payments of $187.59 and 1 monthly payment of $185.78. The total amount repayable would be $3,424.81. If a retail installment contract is extended to you, the payment period to repay the indebtedness may be weekly, bi-weekly, semi-monthly, or monthly, depending on the schedule by which you are paid. Your APR will be determined based upon your creditworthiness at the time of application. Your actual terms depend upon your credit score, amount financed, contract term, payment frequency, and credit usage and history. There is no prepayment penalty. All retail installment contracts have a minimum repayment term of 6 months or longer.

Example:

See Terms and Conditions

*Approval is possible without a FICO score, but American First Finance Inc. may check history. For details visit www.americanfirstfinance.com.


Installment Loan State: Minnesota

Service described is an installment loan contract. The $50 referenced in the example is the down payment. Subject to approval and standard underwriting criteria.

Example: 

The annual percentage rate (APR) ranges from 152.4% to 167.0%. For example, you could receive an 18-month term installment loan contract for an amount financed of $1,149.35 with an APR of 156.99%. In this example, you would receive the cash price of $1,199.35 (plus an origination fee of 5% of the amount financed, applicable tax, and delivery or warranty fees) and make 17 monthly payments of $152.53 and 1 monthly payment of $153.80. The total amount repayable would be $2,746.81. 

If an installment loan contract is extended to you, the payment period to repay the indebtedness may be weekly, bi-weekly, semi-monthly, or monthly, depending on the schedule by which you are paid. Your APR will be determined based upon your creditworthiness at the time of application. Your actual terms depend upon your credit score, amount financed, contract term, payment frequency, and credit usage and history. There is no prepayment penalty. All installment loan contracts have a minimum repayment term of 6 months or longer.

You can save money on interest when you pay off the full balance within the early payoff discount period. See your agreement for details.

 

Minnesota Customers Click Here For An Additional Option

Plus 101 Days Early Payoff Option

for Retail Installment Contracts

See Terms and Conditions

Take it home TODAY for

$50

*

Retail Installment States: AZ, IL, KY, MO, NM, PA, SC, VA, WI

Service described is a retail installment contract. The down payment is $50. Subject to approval and verification.

Example:

The annual percentage rate (APR) generally ranges from 144% to 201%. For example, a qualified customer may receive a retail installment contract for an amount financed of $1,000.00 with an APR of 144.59%. In this example, the customer would pay a $50 down payment, finance the cash price of $1,000.00 (including applicable tax or delivery or warranty fees), and make 25 bi-weekly payments of $72.82 and 1 bi-weekly payment of $72.26. The total amount repayable would be $1,892.76 with full, timely payments. If a retail installment contract is extended to you, the payment period to repay the indebtedness may be weekly, bi-weekly, semi-monthly, or monthly, depending on the schedule by which you are paid. Your APR will be determined based upon your creditworthiness at the time of application. Your actual terms depend upon your credit score, amount financed, contract term, payment frequency, and credit usage and history. There is no prepayment penalty. All retail installment contracts have a minimum repayment term of 6 months or longer. 

The Early Payoff Option allows customers to save money on finance charges through paying off the amount financed within 101 days plus the lesser of the finance charges accrued or $50, and applicable late and NSF fees.

Lease to Own States: AL, AR, CT, FL, GA, IA, IN, KS, LA, MD, MI, MS, NY, NC, OH, OK, RI, TN, TX, WV

Service described is a rental-purchase agreement in Alabama, a rental-purchase transaction in Arkansas, a lease-to-own program in Michigan, a lease-purchase agreement in Ohio, a lease in Rhode Island, and a rent-to-own program in West Virginia (referred to here as “agreement”). The processing fee or initial rent payment due is $50 plus tax. The total amount necessary to acquire ownership varies as it is determined by the cash price of the merchandise, applicable fees and tax, the frequency of payments, and the agreement term. The total number of payments necessary to acquire ownership of the property ranges from 1 to 104 payments, depending on your agreement. All remaining periodic payments may vary by your agreement and will be determined by the cash price of the merchandise, applicable fees and tax, the frequency of payments, and the agreement term. Charges payable by the lessee may include leasing fees, an Early Buyout Option fee, and applicable NSF fees, late fees, delivery fees, and tax, and optional loss damage waiver fees. A security deposit may also be required. The timing of scheduled payments depends on whether you are on a weekly, bi-weekly, semi-monthly, or monthly payment frequency. Rhode Island customers: if your lease liability at the end of the lease term is based on the anticipated residual value of the property, an extra charge may be imposed at the end of the lease term.

 Subject to approval and verification. For details, visit www.americanfirstfinance.com.

Approval is possible without a FICO score, but American First Finance Inc. may check credit history. For details visit www.americanfirstfinance.com. “No Credit Needed” is different than “no credit check.”

Terms & Conditions


Installment Loan State: Minnesota

Service described is an installment loan contract. The $50 referenced in the example is the down payment. Subject to approval and standard underwriting criteria.

Example: 

The annual percentage rate (APR) ranges from 152.4% to 167.0%. For example, you could receive an 18-month term installment loan contract for an amount financed of $1,149.35 with an APR of 156.99%. In this example, you would receive the cash price of $1,199.35 (plus an origination fee of 5% of the amount financed, applicable tax, and delivery or warranty fees) and make 17 monthly payments of $152.53 and 1 monthly payment of $153.80. The total amount repayable would be $2,746.81. 

If an installment loan contract is extended to you, the payment period to repay the indebtedness may be weekly, bi-weekly, semi-monthly, or monthly, depending on the schedule by which you are paid. Your APR will be determined based upon your creditworthiness at the time of application. Your actual terms depend upon your credit score, amount financed, contract term, payment frequency, and credit usage and history. There is no prepayment penalty. All installment loan contracts have a minimum repayment term of 6 months or longer.

You can save money on interest when you pay off the full balance within the early payoff discount period. See your agreement for details.

 

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