Buy Today, Pay Later with NO-CREDIT CHECK FINANCE as low as $50 down! Shop our latest items here

Easy financing with American First Finance!


  1. Get it now. Pay over time.
  2. No credit needed.* 
  3. Approvals from $200 - $5,000*
  4. Fast & Easy Application • Quick Lending Decision†

*Approval is possible without a credit score, but credit will be checked. Subject to approval and standard underwriting criteria. Terms and conditions subject to change at any time without prior disclosure or notice. New customers may be approved for loan amounts up to $3,500 and returning customers up to $5,000. See agreement for details. Loans originated by FinWise Bank, a Utah-chartered bank, Member FDIC. Products may vary by location. † Decisions may take additional time and not be same day, including if more information is needed to complete an application.

Q: How do you apply for AMERICAN FIRST FINANCE? 

A: Click the banner-link above and it will redirect you to complete our finance application. If approved comeback and submit your order with the payment status "Approved for AFF Finance" at checkout. Or click-here

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Legal Disclaimer: 

Upcycle Technology is not a lender, or financial institution. We do not offer set rates or are market-regulated. We are simply a merchant-approved to offer AMERICAN FIRST FINANCE a fin-tech product. 

The bank installment loan advertised is originated by FinWise Bank, a Utah-chartered bank located in Murray, Utah, Member FDIC..